Roth IRA Calculator: Tax-Free Growth to Retirement
See what your Roth IRA could be worth at retirement, how much of it is tax-free growth, and the monthly income it could support. Uses the 2026 contribution limits.
How the Roth IRA calculator works
You pay tax on money before it goes into a Roth IRA. After that it grows tax-free, and qualified withdrawals in retirement are tax-free too. This calculator compounds your current balance and your yearly contributions at the return you choose, until the retirement age you set.
It then shows the final balance, how much of it came from growth instead of your own deposits, the same balance reduced for inflation, and the monthly income you could take at your chosen withdrawal rate.
2026 Roth IRA limits
For 2026 you can contribute up to $7,500 to all your IRAs combined, or $8,600 if you are 50 or older. Direct Roth contributions phase out between $153,000 and $168,000 of modified adjusted gross income for single filers, and between $242,000 and $252,000 for married couples filing jointly. Above the range you cannot contribute directly. Check the current figures on IRS.gov before you file.
Example
A 30 year old starts with $5,000, adds $7,500 a year and earns 7 percent until age 65. That is 35 years of growth. The balance reaches about $1.09 million, of which only about $267,500 is money you deposited. The rest, about $823,000, is tax-free growth.
Roth IRA or traditional IRA
A traditional IRA may give you a tax deduction now and taxes you on withdrawals. A Roth IRA gives no deduction now and no tax later. A Roth tends to suit you if you expect a higher tax rate in retirement than today, or if you want tax-free money without required minimum distributions.
Frequently asked questions
How much will my Roth IRA be worth at retirement?
It depends on your balance, yearly contributions, return and years of growth. Contributing the 2026 maximum of $7,500 a year for 35 years at 7 percent, starting from $5,000, grows to roughly $1.09 million. Enter your own numbers above.
What is the Roth IRA contribution limit for 2026?
$7,500, or $8,600 if you are 50 or older. The limit covers all your traditional and Roth IRAs combined, and you cannot contribute more than you earned.
Are Roth IRA withdrawals really tax-free?
Qualified withdrawals are tax-free. You generally need to be 59 and a half and to have held a Roth IRA for at least five years. You can withdraw your own contributions at any time without tax or penalty.
What return should I assume?
Many planners use 5 to 7 percent after inflation for a stock-heavy portfolio, but nobody knows the future. Try a lower and a higher number to see the range.
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Estimates only. Results depend on the numbers you enter and are not financial, tax or legal advice.