🌱 Roth IRA Calculator
Project your Roth IRA balance at retirement, see how much you can contribute in 2026 at your income, and compare it with a taxable brokerage account.
Quick answer: Contributing the 2026 maximum of $7,500 a year from age 30, starting with $10,000 and earning 7%, a Roth IRA grows to $1,240,721 by 65 – all tax-free, and $280,637 more than the same savings in a taxable account taxed at 15%.
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Roth IRA Calculator inputs
Result
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
| Year | Contributions | Growth | Balance |
|---|---|---|---|
| 31 | $17,500 | $968 | $18,468 |
| 32 | $25,000 | $2,549 | $27,549 |
| 33 | $32,500 | $4,786 | $37,286 |
| 34 | $40,000 | $7,726 | $47,726 |
| 35 | $47,500 | $11,422 | $58,922 |
| 36 | $55,000 | $15,927 | $70,927 |
| 37 | $62,500 | $21,299 | $83,799 |
| 38 | $70,000 | $27,603 | $97,603 |
| 39 | $77,500 | $34,904 | $112,404 |
| 40 | $85,000 | $43,275 | $128,275 |
| 41 | $92,500 | $52,793 | $145,293 |
| 42 | $100,000 | $63,542 | $163,542 |
| 43 | $107,500 | $75,609 | $183,109 |
| 44 | $115,000 | $89,092 | $204,092 |
| 45 | $122,500 | $104,091 | $226,591 |
| 46 | $130,000 | $120,717 | $250,717 |
| 47 | $137,500 | $139,086 | $276,586 |
| 48 | $145,000 | $159,326 | $304,326 |
| 49 | $152,500 | $181,571 | $334,071 |
| 50 | $160,000 | $205,967 | $365,967 |
| 51 | $167,500 | $232,668 | $400,168 |
| 52 | $175,000 | $261,841 | $436,841 |
| 53 | $182,500 | $293,666 | $476,166 |
| 54 | $190,000 | $328,333 | $518,333 |
| 55 | $197,500 | $366,049 | $563,549 |
| 56 | $205,000 | $407,033 | $612,033 |
| 57 | $212,500 | $451,523 | $664,023 |
| 58 | $220,000 | $499,770 | $719,770 |
| 59 | $227,500 | $552,048 | $779,548 |
| 60 | $235,000 | $608,647 | $843,647 |
| 61 | $242,500 | $669,880 | $912,380 |
| 62 | $250,000 | $736,081 | $986,081 |
| 63 | $257,500 | $807,610 | $1,065,110 |
| 64 | $265,000 | $884,852 | $1,149,852 |
| 65 | $272,500 | $968,221 | $1,240,721 |
2026 Roth IRA income limits
| Filing status | Full contribution if MAGI under | No contribution at MAGI of |
|---|---|---|
| Single / head of household | $153,000 | $168,000 |
| Married filing jointly | $242,000 | $252,000 |
| Married filing separately* | $0 | $10,000 |
*If you lived with your spouse at any time during the year. Contribution limit $7,500 + $1,100 catch-up at age 50+, and never more than your earned income. Projection for age 30–65.
How to use the Roth IRA calculator
- Enter your age, retirement age, current Roth balance and how much you plan to contribute each year.
- Enter your modified adjusted gross income (MAGI) and filing status – the calculator applies the 2026 phase-out and caps your contribution if needed.
- Adjust the expected return and the tax rate a taxable account would pay on its gains to compare the two.
The formulas
Balance each month = Balance × (1 + r ÷ 12) + Contribution ÷ 12
Allowed contribution = Limit × (Phase-out end − MAGI) ÷ Phase-out range (rounded up to $10, minimum $200)
The taxable-account comparison uses the same deposits but grows at the return reduced by the tax rate on gains (e.g. 7% × (1 − 15%) = 5.95%).
Worked example
A 30-year-old single filer with MAGI of $90,000 has $10,000 in a Roth IRA and contributes the full $7,500 every year. At a 7% return the account reaches $1,240,721 at 65, of which $272,500 is contributions and the rest is tax-free growth. In a taxable account taxed at 15% a year on its gains the same savings would grow to $960,083.
2026 Roth IRA limits
| Filing status | Full contribution | Partial | None |
|---|---|---|---|
| Single / head of household | under $153,000 | $153,000 – $168,000 | $168,000+ |
| Married filing jointly | under $242,000 | $242,000 – $252,000 | $252,000+ |
| Married filing separately | — | $0 – $10,000 | $10,000+ |
Contribution limit: $7,500, or $8,600 from age 50 (catch-up $1,100). The projection keeps the limits at 2026 levels; in practice the IRS raises them with inflation.
Source: IRS Notice 2025-67 and Publication 590-A (irs.gov).
Estimates for educational purposes, not financial advice.
Frequently asked questions
What is the Roth IRA contribution limit for 2026?
The 2026 limit is $7,500, plus a $1,100 catch-up contribution if you are 50 or older ($8,600 total). The limit is shared across all your traditional and Roth IRAs, and you can't contribute more than your earned income.
What are the 2026 Roth IRA income limits?
Single and head-of-household filers can contribute the full amount with MAGI under $153,000; it phases out to zero at $168,000. For married couples filing jointly the range is $242,000 to $252,000, and for married filing separately $0 to $10,000.
How is a reduced Roth contribution calculated?
Multiply your limit by (top of the range − your MAGI) ÷ the width of the range, round up to the next $10, and use at least $200. A single filer age 40 with MAGI of $160,000 can contribute $7,500 × 8,000 ÷ 15,000 = $4,000.
Is a Roth IRA better than a taxable account?
For long-term retirement savings, usually yes: both are funded with after-tax money, but Roth growth and qualified withdrawals after 59½ (and five years) are tax-free, while a taxable account pays tax on dividends and gains along the way.
What if my income is too high for a Roth IRA?
You can make a non-deductible traditional IRA contribution and convert it to a Roth – the "backdoor Roth". Watch the pro-rata rule if you have other pre-tax IRA balances.