Roth IRA Calculator (2026)
Estimate Roth IRA tax-free retirement growth from yearly contributions and expected returns.
United States Calculator
Adjust Your Inputs
Move the sliders or type exact numbers. Results update instantly.
Instant Estimate
Your Results
Tax-Free Roth IRA Value
$497,018
Based on your selected roth ira calculator assumptions. Try different sliders to compare scenarios.
Total Contributions
$185,000
Investment Growth
$312,018
2026 IRS Roth IRA Rules & Limits:
• $7,000 annual contribution limit ($8,000 for age 50+).
• MAGI Phase-out: $150,000–$165,000 (Single) | $236,000–$246,000 (Married Jointly).
• 100% Tax-Free: All compounding returns and qualified distributions after age 59½ are exempt from IRS federal and state taxes.
These calculations are financial projections and planning estimates, not tax, legal or licensed financial advice. 2026 IRS thresholds and mortgage lender rates vary by location.
How to Use the Roth IRA Calculator
Enter your starting Roth IRA balance
Input your existing Roth IRA portfolio value.
Set your annual contribution
Enter your planned yearly contribution (up to the $7,000 limit or $8,000 for age 50+).
Choose investment duration
Select how many years your funds will compound before you plan to take qualified distributions.
Project compound returns
Set an expected annualized return (historical S&P 500 average is 8-10% nominal).
Formula & Calculation Methodology
Future Value = Current Balance + Annual Contributions CompoundedThis calculator uses standard United States financial formulas, IRS thresholds, and amortization schedules. All results compute instantly in your browser with zero data stored or transmitted.
Calculation Examples & Scenarios
Maxing Out Yearly from Age 25 to 60
$7,000 annual contribution ($583/month), 8% average return over 35 years.
Starting at Age 40
$7,000 annual contribution for 25 years at 7% annual return.
Key Benefits
- 100% tax-free growth and tax-free qualified withdrawals in retirement
- No Required Minimum Distributions (RMDs) during the account owner's lifetime
- Contributions (principal) can be withdrawn at any time penalty-free and tax-free
- Hedge against future federal and state income tax rate hikes
Common Use Cases
- Young professionals in lower tax brackets looking to lock in tax-free growth
- Investors who want to supplement their taxable 401(k) income with tax-free funds
- Estate planning to leave tax-free wealth to beneficiaries
Roth IRA Income Eligibility & Contribution Limits
A Roth IRA is funded with after-tax dollars, meaning you receive no upfront tax deduction, but all future qualified earnings and withdrawals are 100% federal and state tax-free. For 2026, the maximum annual contribution is $7,000 ($8,000 if age 50 or older).
Eligibility phases out for high earners: for single filers with Modified Adjusted Gross Income (MAGI) between $150,000 and $165,000, and for married couples filing jointly between $236,000 and $246,000. High earners above these thresholds can utilize a Backdoor Roth IRA strategy.
Frequently Asked Questions
For 2026, you can contribute up to $7,000 per year ($8,000 if you are age 50 or older), provided your earned income meets or exceeds your contribution amount.
For single filers, the phase-out range is $150,000 to $165,000 of MAGI. For married couples filing jointly, the phase-out range is $236,000 to $246,000. Individuals earning above these limits can contribute via a Backdoor Roth IRA.
Yes. As long as you are at least 59½ years old and your account has been open for at least 5 tax years, all earnings withdrawals are completely free from federal and state income taxes.
Yes. Because your contributions were made with after-tax dollars, you can withdraw your original contributions at any time without paying taxes or IRS early withdrawal penalties.
No. Unlike Traditional IRAs and 401(k)s, original owners of Roth IRAs are never forced to take RMDs, allowing investments to compound tax-free for life.
Related United States Calculators
401(k) Calculator
Estimate your 401(k) retirement balance with employee contributions, employer match and investment growth.
Pension Calculator
Estimate pension income from final salary, service years and pension multiplier.
SEP IRA Calculator
Estimate SEP IRA contribution room for self-employed income or business profit.
Social Security Calculator
Estimate monthly Social Security retirement benefits based on full retirement age benefit and claiming age.
Solo 401(k) Calculator
Estimate solo 401(k) employee deferral, employer contribution and tax savings.
$100k Take Home
Calculate exact take-home pay for a $100,000 annual salary after US federal income tax, FICA, state tax, and 401(k) deductions.
$120k Take Home
Calculate exact take-home pay for a $120,000 annual salary after US federal tax brackets, FICA payroll taxes, and state withholding.
$150k Take Home
Calculate exact take-home pay for a $150,000 annual salary after federal 22%/24% tax brackets, FICA, and state income tax.