Roth IRA Calculator
Project what your Roth IRA could be worth at retirement, and find out how much you’re allowed to put in. Enter your balance, age, filing status, and income, and the calculator applies the 2026 contribution limit, the age-50 catch-up, and the income phase-out, then grows the account year by year.
Unlike a traditional IRA, you pay tax on the money before it goes into a Roth, so qualified withdrawals in retirement are tax-free, growth included. If your income is over the limit, a backdoor Roth conversion can still get you in. The calculator shows how much of your final balance is growth and what that growth would cost in tax elsewhere.
Calculator
Projected tax-free balance at retirement
$998,338
In 35 years, at age 65
- Your 2026 contribution limit
- $7,500
- Your contributions
- $279,000
- Investment growth (tax-free)
- $709,338
- Starting balance
- $10,000
- Tax avoided at 15%
- $106,401
Balance growth to retirement
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Calculation Formulas
The balance is simulated month by month: it grows at the monthly return (annual return ÷ 12), and each year’s contribution is added in equal monthly amounts.
Example:
$10,000 today at age 30, contributing the maximum each year (with the catch-up from 50) at a 6% return, grows to about $998,000 by 65.
Inside the phase-out range the limit shrinks in proportion to how far your MAGI is into it. The result is rounded up to the next $10, and if anything is left it is at least $200. Above the range, you can’t contribute directly.
Example:
A single filer at age 40 with $160,000 of MAGI: $7,500 − $7,500 × $7,000 ÷ $15,000 = $4,000.
In a taxable brokerage account the same growth would be taxed when you sell, usually at the 15% long-term capital gains rate. In a Roth, qualified withdrawals are tax-free.
Key Figures
| Figure | Value | Description |
|---|---|---|
| 2026 IRA contribution limit | $7,500 | Combined limit for all your Roth and traditional IRAs. |
| 2026 catch-up, age 50+ | $1,100 | Extra contribution allowed if you’re 50 or older by year-end ($8,600 total). |
| Roth phase-out: single, head of household | $153,000–$168,000 | Modified AGI range over which the Roth limit falls to zero. |
| Roth phase-out: married filing jointly | $242,000–$252,000 | Modified AGI range for joint filers. |
| Roth phase-out: married filing separately | $0–$10,000 | Applies if you lived with your spouse at any time during the year; otherwise use the single range. |
Note: Results are estimates for planning purposes. Rates, fees, taxes, and insurance vary by lender and location — confirm exact figures with a licensed professional before making financial decisions.
Standards & Sources
Last verified: July 2026
- IRS Notice 2025-67
The 2026 IRA contribution limit, the catch-up amount, and the Roth income phase-out ranges come from IRS Notice 2025-67, announced Nov 13, 2025 (IR-2025-111).
- IRS Publication 590-A
The reduced-contribution calculation, rounding up to the next $10 with a $200 minimum, follows the Roth IRA worksheet in Publication 590-A.
- Assumptions
Contribution limits are held at 2026 levels and your MAGI is held at today’s figure for every year. The IRS raises limits with inflation, so actual future limits are likely higher. Your earned income must be at least what you contribute.
How to Use This Calculator
- Enter your current Roth IRA balance, your age, and when you plan to retire.
- Choose your filing status and enter your modified AGI to apply the income limit.
- Leave “contribute the maximum” on, or turn it off and enter your own yearly amount.
- Enter an expected return, then read your projected balance, your 2026 limit, and the tax you avoid.
Frequently Asked Questions
How much can I contribute to a Roth IRA in 2026?
Up to $7,500, or $8,600 if you’re 50 or older by the end of the year. That limit covers all your IRAs combined, Roth and traditional, and you can’t contribute more than your earned income for the year.
What are the 2026 Roth IRA income limits?
Single and head-of-household filers can contribute the full amount with modified AGI under $153,000; the limit phases out until it reaches zero at $168,000. For married couples filing jointly the range is $242,000 to $252,000. A single filer with $160,000 of MAGI can contribute $4,000.
How much will my Roth IRA be worth?
Contributing the maximum every year from age 25 to 65, including the catch-up from age 50, adds $316,500 of contributions. At a 7% average return that grows to about $1.67 million, all of it tax-free in retirement.
What if my income is too high for a Roth IRA?
You can still use a backdoor Roth: make a nondeductible contribution to a traditional IRA, then convert it to a Roth. If you have other pre-tax IRA money, part of the conversion is taxable under the pro-rata rule.
When can I take money out of a Roth IRA?
Your contributions can come out at any time, tax- and penalty-free. Earnings are tax-free once you’re 59½ and your first Roth IRA contribution was at least five years ago; earlier withdrawals of earnings can owe income tax plus a 10% penalty.
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The age you claim Social Security locks in your benefit for life. Here’s how much each year of waiting is worth, your full retirement age, and the break-even math behind the decision.
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If you are 65 or older, a new $6,000 deduction can cut your federal taxes through 2028 — but it phases out at higher incomes and doesn’t make Social Security tax-free.
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