How to use the Roth IRA Calculator tool
3 simple steps · under a minute
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Enter your age and balance
Type your current age, retirement age and your Roth IRA balance today.
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Add contributions and return
Enter how much you contribute each year and the return you expect.
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See your tax-free total
Read your Roth balance at retirement and how much more it is worth than a taxable account.
About Roth IRA calculator
A Roth IRA is an individual retirement account in the United States funded with after-tax money. In exchange, your investments grow tax-free and qualified withdrawals in retirement are not taxed at all. This Roth IRA calculator shows how large your account could become and how much tax that could save.
The longer your money grows, the bigger the tax-free advantage. That is why a Roth IRA is especially attractive for younger savers and anyone who expects to be in a higher tax bracket later. Contribution limits and income limits apply, so check that you are eligible.
2026 limits built in
Contributions are capped at $7,500 a year, or $8,600 from age 50.
Tax advantage shown
Compares your tax-free Roth with the same money in a taxed account.
Growth chart
Watch contributions and tax-free growth build year by year.
Frequently asked questions
What is the Roth IRA limit for 2026?
$7,500 a year, or $8,600 if you are 50 or older. You cannot contribute more than your earned income for the year.
Are there income limits for a Roth IRA?
Yes. Your ability to contribute phases out above certain incomes, which the IRS adjusts every year. Check the current limits for your filing status before contributing.
When can I withdraw from a Roth IRA tax-free?
Contributions can be withdrawn at any time. Earnings are tax-free once you are 59½ and the account has been open at least five years.
Roth IRA or traditional IRA?
A Roth suits you if you expect a higher tax rate in retirement; a traditional IRA gives a tax deduction now. Many people hold both.
Is this financial advice?
No. It is an estimate. Tax rules are complex, so confirm your situation with a tax professional.