Roth IRA Calculator
Project how your Roth IRA balance could grow with regular annual contributions and compound returns.
2026 IRS limit: $7,000 (under 50)
Balance at retirement
$555,146.78
What Your Result Means
This projects your Roth IRA balance at the end of your chosen time horizon, based on your current balance, annual contributions, and expected rate of return. Total growth shows how much of the final balance came from investment returns versus your own contributions.
How It Is Calculated
Each year: Balance = (Balance + Annual Contribution) × (1 + Return Rate)
Worked Example
Starting with $15,000, contributing $7,000/year, earning 7% annually for 25 years, grows to roughly $610,000 - about $190,000 in contributions and $420,000 in growth.
Important Assumptions
- Assumes contributions are made at the start of each year and a constant rate of return - actual markets fluctuate.
- Doesn't account for annual contribution limits changing over time or income eligibility phase-outs.
Frequently Asked Questions
- What's the 2026 Roth IRA contribution limit?
- Check the IRS website for the current year's limit, as it's adjusted periodically for inflation. Limits are typically higher for those age 50 and older (catch-up contributions).
- How is a Roth IRA different from a traditional IRA?
- Roth IRA contributions are made with after-tax dollars, and qualified withdrawals in retirement are tax-free. Traditional IRA contributions may be tax-deductible now, but withdrawals are taxed in retirement.
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Methodology
This calculator uses standard compound growth projections. See our methodology page for details.
This calculator provides estimates for educational purposes only. Actual rates, taxes, insurance, fees, and lender terms may differ. It does not constitute financial advice - consult a qualified financial professional before making financial decisions.