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Retirement — Roth IRA
Roth IRA Calculator
Project how much your Roth IRA could be worth at retirement — enter your age, balance, yearly contribution and expected return, and watch it compound tax-free.
Balance at retirement
—
Tax-free, assuming steady contributions and return.
| Total contributions including starting balance | — |
|---|---|
| Total growth tax-free earnings | — |
| Years to grow until retirement | — |
Estimates only, before taxes and fees — not investment adviceEverything computed client-side — nothing leaves this page
How the Roth IRA Calculator Works
A Roth IRA grows tax-free: you contribute money you have already paid income tax on, and qualified withdrawals in retirement are not taxed. This calculator projects your balance by compounding your starting balance and each year’s contribution at your expected rate of return, right up to your retirement age.
The 2026 contribution limit is $7,000, or $8,000 if you are 50 or older, and income limits may reduce eligibility at higher earnings. Returns are never guaranteed — markets rise and fall — so treat the result as a planning estimate, not a promise.
future value = balance × (1 + r)^years + contribution × ((1 + r)^years − 1) ÷ r
Frequently Asked Questions
How much can I contribute to a Roth IRA?
For 2026 the limit is $7,000 per year, or $8,000 if you are age 50 or older. Income limits may reduce or eliminate your eligibility at higher earnings.
Is the growth really tax-free?
Yes. Because you contribute after-tax dollars, qualified withdrawals in retirement, including all the investment growth, are not taxed once the account is at least five years old and you are 59 and a half or older.
What rate of return should I use?
A long-run stock-market average is often estimated near 7 percent after inflation, but returns vary widely year to year and are never guaranteed. Try a few rates to see a range of outcomes.
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