Check your 2026 Roth IRA limit and project its growth.
The limit is $7,500 for 2026 ($8,600 if you are 50 or older), reduced for higher incomes. Contributing $7,500 a year for 30 years at 7% grows to about $924,811.82, all tax-free in retirement if the withdrawal rules are met.
A Roth IRA is a US retirement account funded with after-tax money, so qualified withdrawals — including all the growth — are tax-free. This calculator shows your contribution limit after the income phase-out ($153,000–$168,000 for single filers and $242,000–$252,000 for joint filers in 2026) and projects the balance at retirement.
Compare it with a traditional account using the IRA Calculator, and see employer plans with the 401(k) Calculator. Contribution rules, income limits and catch-up amounts change, so confirm the current figures on IRS.gov.
The calculator applies the standard financial formulas step by step.
| Item | Value |
|---|---|
| 2026 contribution limit for you | $7,500.00 |
| Limit after the income phase-out | $7,500.00 |
| Your planned contribution | $7,500.00 |
| Contribution used in the projection | $7,500.00 |
| Years of growth | 30 |
| Total contributions | $225,000.00 |
| Growth | $679,811.82 |
| Balance at retirement | $924,811.82 |
| Same savings in a taxable account taxed at 15% on gains (approx.) | $740,518.09 |
| Case | Balance |
|---|---|
| Contribute $3,000 a year | $467,322.70 |
| Contribute $7,500 a year | $924,811.82 |
| Return 5% | $609,516.53 |
| Return 9% | $1,438,826.20 |
| Retire at 60 | $620,803.17 |
$7,500, with an extra $1,100 catch-up if you are 50 or older, reduced or eliminated at higher incomes.
The phase-out range is $153,000–$168,000 for single filers and $242,000–$252,000 for married couples filing jointly.
Qualified withdrawals — after age 59½ and at least five years after the first contribution — are tax-free, including the growth.
No. Roth IRAs have no required minimum distributions during the owner's lifetime.
It depends on whether your tax rate now is lower or higher than in retirement. Compare with the IRA Calculator.
Not directly above the phase-out limit, though some people use a backdoor Roth conversion. Get tax advice.
It uses the standard formula: reduced limit = limit × (upper − MAGI) ÷ (upper − lower), rounded up to $10 The full method and a worked example are shown on this page.
No. The calculator gives estimates for planning and learning. Real offers vary by lender, product and date, so confirm the details with your bank, lender or a qualified adviser before deciding.
Yes. The maths is identical in any currency; only the currency symbol shown in the results differs.
No. Everything is calculated in your browser and nothing you enter is uploaded or saved.
