Roth IRA Calculator
See how a Roth IRA could grow over the years. Qualified withdrawals in retirement are tax-free.
Example Roth IRA balances
How this calculator works
We grow your current balance at the return you enter and add one contribution at the end of each year. The 2026 IRS contribution limit used here is $7,500 for people under 50 (higher for 50 and older), and it is shared with any traditional IRA. Income limits can reduce or block Roth contributions, so check IRS rules.
FAQ
Why use a Roth IRA?
You pay tax on the money now, but growth and qualified withdrawals later are tax-free.
Is the return guaranteed?
No. Investment returns vary, and the result is only an estimate.
Who can contribute?
You need earned income, and high earners may be limited. See the IRS website for current limits.
Rates and limits last updated: October 2026. This is an estimate for general information only, not financial, tax or legal advice.