Roth IRA Calculator
Project your Roth IRA balance at retirement. All qualified withdrawals are tax-free, making the projected balance the actual after-tax amount available.
How to use the Roth IRA Calculator
- Enter your inputs into the Roth IRA Calculator above.
- Results update instantly as you type — no submit button needed.
- Adjust any value to see how the result changes in real time.
The Roth IRA projection
FV = PV(1 + r)^n + PMT · [((1 + r)^n − 1) / r]
PV is the current balance, r is the expected annual return, n is years to retirement, PMT is the annual contribution. Because Roth contributions are post-tax, the entire FV is yours tax-free in retirement (after age 59½ and a 5-year holding rule).
Worked example
Age 30, $5,000 current balance, $7,000/year contributions (2026 limit), 7% return for 35 years: FV ≈ $1.02 million — all tax-free at withdrawal. Contributions can be withdrawn anytime tax- and penalty-free.
Frequently asked questions
What's the 2026 contribution limit?
The IRS set the 2026 IRA contribution limit at $7,000 ($8,000 if 50+). Income phaseouts apply for Roth contributions starting at $146,000 single / $230,000 married filing jointly.
Roth vs. Traditional IRA?
Roth wins if your retirement tax rate will be higher than today. Traditional wins if lower. For most middle-income workers in their 30s, the answer is mixed — many split contributions between both.
Can I withdraw before retirement?
Yes — Roth contributions (not earnings) can be withdrawn anytime tax- and penalty-free. Earnings withdrawn before 59½ may face 10% penalty plus tax.