Roth IRA Calculator
See how much a Roth IRA could grow to by retirement, tax-free, and how much more that is than the same savings in a taxable account.
Configure Your Roth IRA
Results
$7,500 a year · ages 30–65 · 7% a year
$1,520,981
estimated Roth IRA at 65, tax-free
You Put In
$453,466
Tax-Free Growth
$1,067,516
Taxable Account (15% tax)
$1,360,854
Tax Saved
$160,127
Roth IRA Balance Over Time
Show the chart data as a table
| Period | Contributions | Balance |
|---|---|---|
| Year 1 | $7,500 | $7,738 |
| Year 2 | $15,225 | $16,249 |
| Year 3 | $23,182 | $25,595 |
| Year 4 | $31,377 | $35,842 |
| Year 5 | $39,819 | $47,060 |
| Year 6 | $48,513 | $59,324 |
| Year 7 | $57,468 | $72,716 |
| Year 8 | $66,693 | $87,323 |
| Year 9 | $76,193 | $103,237 |
| Year 10 | $85,979 | $120,560 |
| Year 11 | $96,058 | $139,398 |
| Year 12 | $106,440 | $159,867 |
| Year 13 | $117,133 | $182,089 |
| Year 14 | $128,147 | $206,199 |
| Year 15 | $139,492 | $232,336 |
| Year 16 | $151,177 | $260,655 |
| Year 17 | $163,212 | $291,318 |
| Year 18 | $175,608 | $324,499 |
| Year 19 | $188,377 | $360,387 |
| Year 20 | $201,528 | $399,182 |
| Year 21 | $215,074 | $441,100 |
| Year 22 | $229,026 | $486,371 |
| Year 23 | $243,397 | $535,243 |
| Year 24 | $258,199 | $587,981 |
| Year 25 | $273,444 | $644,869 |
| Year 26 | $289,148 | $706,211 |
| Year 27 | $305,322 | $772,333 |
| Year 28 | $321,982 | $843,584 |
| Year 29 | $339,141 | $920,338 |
| Year 30 | $356,816 | $1,002,996 |
| Year 31 | $375,020 | $1,091,987 |
| Year 32 | $393,771 | $1,187,771 |
| Year 33 | $413,084 | $1,290,840 |
| Year 34 | $432,976 | $1,401,722 |
| Year 35 | $453,466 | $1,520,981 |
2026 Roth IRA limits
| Contribution limit, under 50 | $7,500 |
|---|---|
| Contribution limit, 50 or older | $8,600 |
| Income phase-out, single | $153,000 to $168,000 |
| Income phase-out, married filing jointly | $242,000 to $252,000 |
Source: IRS news release IR-2025-111.
Frequently Asked Questions
How much will my Roth IRA be worth?
Contributing the maximum every year from 30 to 65 ($7,500 a year, rising with inflation, plus the catch-up from 50) at a 7% return grows to about $1,582,526, or $562,404 in today's dollars at 3% inflation. You'd have put in $490,416; the rest is growth you never pay tax on.
What is the Roth IRA contribution limit for 2026?
$7,500, or $8,600 from age 50 with the $1,100 catch-up. The limit is shared across all your IRAs, Roth and traditional, and you can't contribute more than you earned from work that year.
Are there income limits for a Roth IRA?
Yes. For 2026, the amount you can contribute phases out at modified adjusted gross income of $153,000 to $168,000 if you're single, and $242,000 to $252,000 if you're married filing jointly. Above the top of the range you can't contribute directly; some people use a "backdoor" Roth conversion instead.
How much tax does a Roth IRA save?
Qualified withdrawals are tax-free, so you never pay tax on the growth. In the example above, paying 15% tax on the growth in an ordinary taxable account would cost about $163,816. The calculator's comparison is simple: it taxes the growth once at the end, while a real taxable account also pays tax on dividends every year, so the true difference is usually larger.
Roth IRA or traditional IRA?
A Roth is funded with money you have already paid tax on, and qualified withdrawals are tax-free. A traditional IRA can give you a tax deduction now, but withdrawals are taxed as income. A Roth tends to win if you expect your tax rate in retirement to be the same or higher than today, which is common for younger savers.
When can I take money out of a Roth IRA?
Your contributions can come out at any time, tax- and penalty-free. Earnings are tax-free once you are 59½ and the account has been open at least five years; taking earnings out earlier usually means income tax plus a 10% penalty, with some exceptions. Roth IRAs have no required minimum distributions for the original owner.
See our Methodology page for how the figures are calculated, or all calculators. For education only, not investment, tax or legal advice. Past performance does not guarantee future results.