Project your tax-free retirement balance. Accounts for the 2026 contribution limit and the income phase-out that determines whether you can contribute the full amount.
A Roth IRA is an individual retirement account that accepts after-tax contributions and lets your savings grow tax-free. Qualified withdrawals in retirement — including all investment earnings — are not subject to federal income tax. The IRS limits how much you can contribute each year and phases out eligibility at higher income levels. The calculator below projects your Roth IRA balance at retirement and tells you whether your current income lets you contribute the full amount.
2026 limit: $7,500 under 50; $8,600 age 50+
2026 phase-out range: $153,000–168,000
$1,074,424
$245,000
$819,424
35
Your income is below the phase-out threshold — you can contribute the full amount.
Roth IRA withdrawals of contributions are always tax- and penalty-free. Withdrawals of earnings before age 59½ are subject to income tax plus a 10% penalty unless an exception applies.
| Category | 2026 Limit |
|---|---|
| Under age 50 | $7,500 |
| Age 50 and older (includes catch-up) | $8,600 |
| Single / Head of Household MAGI phase-out | $153,000 – $168,000 |
| Married Filing Jointly MAGI phase-out | $242,000 – $252,000 |
| Married Filing Separately | Phased out above $10,000 |
Source: IRS announcement, fall 2025 (confirmed by Charles Schwab, Motley Fool, Wells Fargo). 2026 Roth IRA contribution limit increased from $7,000 (2025) to $7,500.
Cross-checked against authoritative formulas (IRS, NIST, ACM) and updated for 2025/2026 tax years and rates.
No server roundtrip. All math runs in your browser so results appear the moment you finish typing.
We never collect, store, or transmit your inputs. Every calculation runs locally in your browser.
Each calculator includes the formula, plain-English explanation, and FAQs so you understand the result.
Estimates only. Calculator results are for educational and planning purposes — not professional advice. For binding decisions on taxes, investments, health, or legal matters, consult a qualified professional.
FAQ
Everything you need to know about this calculator. Can't find what you're looking for? Email our team.
A Roth IRA calculator is a free retirement planning tool that projects how much your Roth IRA account will grow by retirement and whether your income lets you contribute the full amount. Our Roth IRA calculator factors in current balance, annual contribution, expected return, MAGI, filing status, and years to retirement. The Roth IRA calculator also tells you whether you're in the phase-out range and adjusts the projected contribution accordingly.
How it works
Our Roth IRA calculator projects how your account grows tax-free, factoring in the IRS contribution limit and your MAGI phase-out range.
Type your current age and the age you plan to retire. The Roth IRA calculator uses the difference as the projection horizon.
Type the amount already in your Roth IRA and how much you plan to contribute each year (up to the IRS limit). The Roth IRA calculator caps at $7,500 (under 50) or $8,600 (age 50+).
Enter the expected annual return. Roth IRAs typically hold stock-and-bond portfolios — historical S&P 500 nominal return is ~10%, conservative is 6-7%. The Roth IRA calculator models this as a constant annual rate.
Type your Modified Adjusted Gross Income (line 11 of Form 1040 plus add-backs). Pick single or married filing jointly. The Roth IRA calculator uses this to determine your allowed contribution (full, partial, or zero in the phase-out range).
The Roth IRA calculator shows your projected tax-free balance at retirement, total contributions, total tax-free investment growth, and whether your income keeps you in the contribution phase-out range.
Estimate how much you really need to retire based on your spending and lifestyle goals.
Understand how compounding makes decades of small contributions add up to a large nest egg.
Learn to use financial calculators effectively for everyday decisions.