Roth IRA Calculator (2026)

Project tax-free growth in a Roth IRA. Contributions are capped at the 2026 IRS limit ($7,500 / $8,600 age 50+).

Instant results Private — runs in your browser Updated January 1970

Inputs

2026 cap: $7,500
$
%
Tax-free balance at retirement
$1,125,659.13
35 years · $7,500/yr contributed
Total contributed
$262,500.00
Tax-free earnings
$863,159.13
2026 contribution cap
$7,500.00
Balance growth

How it works

Monthly compounding · end-of-period contributions. Roth contributions are after-tax; qualified withdrawals are 100% tax-free. FV = PMT × ((1+i)^N − 1)/i, i = rate/12, N = years×12.

Frequently asked questions

Is this guaranteed?

No — these are projections that assume your inputs hold. Real markets and life are variable.

What's the 4% safe-withdrawal rule?

The Trinity Study suggests withdrawing 4% of a balanced portfolio in year one and adjusting for inflation typically lasts 30+ years.

Should I max out my 401(k)?

At minimum, capture the full employer match — that's free money. Beyond that, balance against debt payoff and emergency reserves.

Roth vs. Traditional?

Roth wins if you'll be in a higher tax bracket in retirement; Traditional wins if you'll be in a lower bracket.

When should I start saving?

Immediately. The single biggest variable in retirement success is years of compounding.

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Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.

Last updated January 1970