Retirement & Investing
Roth IRA Calculator
Project how your Roth IRA could grow over time. Because qualified withdrawals are tax-free, the earnings shown here are the amount you could keep tax-free in retirement.
How the Roth IRA projection works
The calculator treats your annual contribution as 12 equal monthly contributions and compounds them at the assumed annual return. The starting balance grows for the full period.
P is the current balance, C is the monthly contribution,i is the monthly return, and m is the number of months.
This is a projection, not a guarantee. Investment returns vary, and Roth IRA eligibility depends on income and filing status.
Frequently asked questions
What makes a Roth IRA different?
Contributions are made with after-tax dollars. Qualified withdrawals in retirement, including earnings, are generally tax-free. Traditional IRAs and 401(k)s typically tax withdrawals instead.
What is the contribution limit?
For 2026, the IRA contribution limit is $7,500, or $8,600 if you are 50 or older. Income limits can reduce or eliminate your ability to contribute directly to a Roth IRA.
Does this calculator include income limits?
No. It projects growth from the contribution you enter. Check the current IRS income limits to confirm whether you are eligible to contribute directly.
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates and may not reflect your exact situation.