🌱 Roth IRA Calculator

years
years
$
$
2026 limit: $7,500, or $8,600 at 50+.
$
Returns & taxable comparison
%
%
Applied to growth each year – e.g. 15% long-term capital-gains rate.

Roth IRA balance at 65

$1,240,721

tax-free, after 35 years

Starting balance + contributions$272,500
Tax-free growth$968,221
Same savings in a taxable account$960,083
Roth advantage$280,637
Your 2026 contribution limit
$7,500
Allowed after income phase-out
$7,500
Eligibility
Full contribution allowed

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