Roth IRA Calculator

Roth IRA Calculator

You want to know what your Roth IRA will actually be worth when you retire. Not a vague guess — a real number based on your age, your contributions, and a reasonable rate of return. That's what this Roth IRA calculator is built for. Punch in your numbers and the calculator updates instantly — year by year, with a chart showing how compound interest does the heavy lifting over time.

How the Roth IRA Retirement Calculator Works

The Roth IRA growth calculator projects your balance from now until retirement. Your annual contribution goes in at the beginning of each year and earns returns for the full 12 months — the way most people actually invest. The calculator recalculates as you type, and the year-by-year table shows your balance at every age so you can pinpoint exactly when compounding kicks in.

Roth IRA Compound Interest Calculator

At 7% average returns (roughly the S&P 500 after inflation), $7,500 a year for 35 years turns into over $1.1 million. Only $262,500 of that is money you actually put in — the rest is compound interest doing its thing. Use the Roth IRA calculator to see how much the numbers shift depending on what age you start. Drag the sliders and the calculator redraws the chart in real time.

Roth IRA Worth Calculator — What Will It Be at Retirement?

A 25-year-old maxing out at 7% could hit $1.75 million by 65. Start at 40? About $475,000. Even $200 a month from age 25 gets you around $475,000 — all tax-free when you withdraw. Play with the Roth IRA retirement calculator above and see for yourself. The calculator also has an inflation toggle that adjusts everything to today's dollars at 3%.

2026 Roth IRA Contribution Limits and Eligibility

For 2026, the Roth IRA contribution limit is $7,500 per year, or $8,600 if you're 50 or older (the extra $1,100 is a catch-up contribution). Not everyone qualifies for the full amount though — income phase-outs kick in based on your filing status. The eligibility tab in this Roth IRA calculator handles all that math. Hit "Max Out" and the calculator fills in the right limit for your age.

Roth IRA Income Phase-Out Calculator (2026)

Not sure where you fall? Plug your MAGI and filing status into the Roth IRA eligibility calculator — it tells you exactly how much you can put in. If you're in the phase-out range, the calculator figures your reduced amount down to the dollar. No guessing, no spreadsheet needed.

Roth IRA vs Traditional IRA Calculator

Roth IRA: you pay taxes now, withdraw tax-free later. Traditional IRA: you might get a deduction today, but you'll owe income tax on every dollar you pull out in retirement. The Roth vs Traditional IRA calculator runs both scenarios with your actual rates so you're looking at real numbers, not rules of thumb.

When Does a Traditional IRA Beat a Roth?

If you're at peak earnings and expect a much lower rate in retirement, Traditional can come out ahead. This Roth IRA comparison calculator accounts for something most tools skip entirely: the tax savings reinvestment. When you deduct a Traditional IRA contribution, the money you save on taxes gets invested too — and the calculator models that extra growth so the comparison is actually fair.

Roth IRA Calculator vs 401(k)

A 401(k) usually comes with employer matching — always grab that first, it's free money. After you've maxed the match, a Roth IRA is a strong next move: tax-free withdrawals, no required minimum distributions, and way more investment choices. Plenty of people do both. Use this Roth IRA calculator alongside your 401(k) planning to see the full picture.

Roth IRA Conversion Calculator and Rollover

If your income is too high for direct Roth IRA contributions, you might look into a backdoor conversion — moving money from a Traditional IRA or 401(k) into a Roth. You'll owe income tax on the converted amount that year, but after that everything grows and comes out tax-free. This Roth IRA calculator doesn't model full conversion scenarios, but the comparison tab gives you the core math. If you're over 60, the extra income might bump your Medicare premiums — worth running the calculator first and then talking it through with your accountant.

Roth IRA Withdrawal Rules and Penalties

You can pull out your Roth IRA contributions anytime — any age, no taxes, no penalty. That's what makes a Roth IRA so flexible. Earnings are a different story: you need to be 59½ with the account open at least 5 years. Withdraw earnings early and you'll get hit with a 10% penalty plus income tax. The Roth IRA calculator separates contributions from growth so you always know what's accessible without penalty.

No Required Minimum Distributions — A Roth IRA Calculator Advantage

Unlike a Traditional IRA or 401(k), a Roth IRA has no RMDs. Nobody forces you to withdraw at any age. That makes it a surprisingly powerful estate planning vehicle and gives you real flexibility managing income in retirement. The Roth IRA calculator above doesn't factor in RMDs because Roth simply doesn't have them — one more reason Roth tends to come out ahead in the numbers.

Roth IRA vs Taxable Account Calculator

The fourth tab of the Roth IRA calculator compares your Roth against a regular brokerage account. In a taxable account, dividends get taxed every single year and you'll owe capital gains when you sell. Over 20 or 30 years, that drag adds up to tens of thousands in lost growth. Run your own numbers through the calculator and the difference is pretty eye-opening.

Roth IRA Max Contribution Calculator

What if you max out your Roth IRA every single year for 30 years? At 7%, you're looking at roughly $790,000. At 10% (the S&P 500's pre-inflation historical average), over $1.3 million. The Roth IRA calculator makes it easy to compare — type in your max contribution and watch the growth curve unfold. The calculator shows that even half the max goes further than you'd expect when you give it enough time.

Roth IRA Calculator FAQ

How much can I contribute to a Roth IRA in 2026?

$7,500 if you're under 50, $8,600 if you're 50 or older. Income limits apply — open the Roth IRA eligibility calculator to check whether you qualify for the full amount or a reduced contribution.

What rate of return should I use in the Roth IRA calculator?

7% is a solid starting point — it roughly matches the S&P 500's historical average after inflation. This Roth IRA calculator lets you drag the return slider anywhere you want. Bump it to 10% to see the optimistic case, or drop it to 5% for a more conservative scenario — the calculator redraws instantly.

Can I use this Roth IRA calculator for a Roth conversion?

The comparison calculator shows how Roth and Traditional stack up, which is the heart of any conversion decision. For a full conversion estimate with state taxes, Medicare surcharges, and the pro-rata rule, you'll want to talk to a CPA — those details are too personal for any online calculator to handle perfectly.

What if I withdraw early from my Roth IRA?

Contributions come out first, always tax-free and penalty-free. Earnings withdrawn before 59½ get hit with a 10% penalty plus income tax. The Roth IRA calculator splits contributions from growth in the breakdown, so you can see exactly what's available without penalty.

Can married couples both use the Roth IRA calculator?

Absolutely. Each spouse can contribute the full limit to their own Roth IRA, as long as your combined MAGI stays within the married filing jointly phase-out range. Run the Roth IRA eligibility calculator for each spouse separately to see your household's total.