$ Roth IRA Calc

Calculator

Roth IRA calculator

Enter your assumptions to estimate how your Roth IRA balance may grow over time. Results update instantly.

Last updated: May 2026. Reviewed against IRS 2026 IRA contribution limits and Roth IRA phase-out ranges.

Quick start

Use three assumptions first.

  1. Enter your current age and expected retirement age.
  2. Add your current Roth IRA balance and yearly or monthly contribution.
  3. Test 5%, 7%, and 9% return assumptions instead of relying on one forecast.

Before using the contribution amount as a real plan, check whether your MAGI allows a full Roth IRA contribution. Check 2026 eligibility.

Calculator inputs

Adjust the assumptions

Contribution schedule
Monthly contributions compound monthly; annual contributions are added at year end.
Changing current age updates the retirement-age range and investment horizon.
The calculator derives investment years from current age to retirement age and caps projections at age 100.
This annual amount is $7,500. 2026 IRA limit: $7,500 (under 50). Roth eligibility can also depend on income.Source: IRS IR-2025-111.
Default is a planning assumption, not a forecast. Try 0% to 15% to see how sensitive compounding is.
Optional starting balance already in a Roth IRA.
Used only to estimate a traditional IRA after-tax value. Roth withdrawals are modeled as tax-free.
2026 eligibility check
Estimated 2026 direct Roth IRA allowance: $7,500. This does not replace tax advice or earned-income limits.
Uses a default 3% inflation assumption to convert projected balances into 2026 dollars.

Assumes contributions are made after tax. Results are estimates and do not include fees, income eligibility, or changing future law.

Estimated Roth value at age 60 (nominal dollars)$784,578
Traditional IRA after-tax estimate (nominal dollars)$611,971
Total contributions (nominal dollars)$225,000
Estimated earnings (nominal dollars)$549,578

What this Roth balance could support

At a 4% withdrawal rate, this projected Roth IRA balance could support about $31,383 per year in nominal dollars. This is Roth IRA-only spending power, not a complete retirement plan.

3.5% withdrawal rate$27,460/yr
4% withdrawal rate$31,383/yr
5% withdrawal rate$39,229/yr

Traditional IRA after-tax estimate

This comparison applies a 22% future withdrawal tax to a traditional-IRA-style pre-tax balance. It does not model upfront deductions, invested tax savings, income limits, or a full Roth vs traditional IRA recommendation.

Shared links include your current calculator assumptions in the URL. Avoid sharing values you consider private.

Annual balance projection

7% assumed return over 30 years, shown in nominal dollars.

Bar chart with 30 yearly balances shown in nominal dollars, from $18,200 in year 1 to $784,578 in year 30.

Full annual projection

  1. Year 1, age 31: $18,200 Roth balance, $14,196 after withdrawal tax estimate, $7,500 contributed, $700 estimated earnings.
  2. Year 2, age 32: $26,974 Roth balance, $21,040 after withdrawal tax estimate, $15,000 contributed, $1,974 estimated earnings.
  3. Year 3, age 33: $36,362 Roth balance, $28,363 after withdrawal tax estimate, $22,500 contributed, $3,862 estimated earnings.
  4. Year 4, age 34: $46,408 Roth balance, $36,198 after withdrawal tax estimate, $30,000 contributed, $6,408 estimated earnings.
  5. Year 5, age 35: $57,156 Roth balance, $44,582 after withdrawal tax estimate, $37,500 contributed, $9,656 estimated earnings.
  6. Year 6, age 36: $68,657 Roth balance, $53,552 after withdrawal tax estimate, $45,000 contributed, $13,657 estimated earnings.
  7. Year 7, age 37: $80,963 Roth balance, $63,151 after withdrawal tax estimate, $52,500 contributed, $18,463 estimated earnings.
  8. Year 8, age 38: $94,130 Roth balance, $73,422 after withdrawal tax estimate, $60,000 contributed, $24,130 estimated earnings.
  9. Year 9, age 39: $108,220 Roth balance, $84,411 after withdrawal tax estimate, $67,500 contributed, $30,720 estimated earnings.
  10. Year 10, age 40: $123,295 Roth balance, $96,170 after withdrawal tax estimate, $75,000 contributed, $38,295 estimated earnings.
  11. Year 11, age 41: $139,426 Roth balance, $108,752 after withdrawal tax estimate, $82,500 contributed, $46,926 estimated earnings.
  12. Year 12, age 42: $156,685 Roth balance, $122,215 after withdrawal tax estimate, $90,000 contributed, $56,685 estimated earnings.
  13. Year 13, age 43: $175,153 Roth balance, $136,620 after withdrawal tax estimate, $97,500 contributed, $67,653 estimated earnings.
  14. Year 14, age 44: $194,914 Roth balance, $152,033 after withdrawal tax estimate, $105,000 contributed, $79,914 estimated earnings.
  15. Year 15, age 45: $216,058 Roth balance, $168,525 after withdrawal tax estimate, $112,500 contributed, $93,558 estimated earnings.
  16. Year 16, age 46: $238,682 Roth balance, $186,172 after withdrawal tax estimate, $120,000 contributed, $108,682 estimated earnings.
  17. Year 17, age 47: $262,890 Roth balance, $205,054 after withdrawal tax estimate, $127,500 contributed, $125,390 estimated earnings.
  18. Year 18, age 48: $288,792 Roth balance, $225,258 after withdrawal tax estimate, $135,000 contributed, $143,792 estimated earnings.
  19. Year 19, age 49: $316,508 Roth balance, $246,876 after withdrawal tax estimate, $142,500 contributed, $164,008 estimated earnings.
  20. Year 20, age 50: $346,163 Roth balance, $270,007 after withdrawal tax estimate, $150,000 contributed, $186,163 estimated earnings.
  21. Year 21, age 51: $377,894 Roth balance, $294,758 after withdrawal tax estimate, $157,500 contributed, $210,394 estimated earnings.
  22. Year 22, age 52: $411,847 Roth balance, $321,241 after withdrawal tax estimate, $165,000 contributed, $236,847 estimated earnings.
  23. Year 23, age 53: $448,176 Roth balance, $349,578 after withdrawal tax estimate, $172,500 contributed, $265,676 estimated earnings.
  24. Year 24, age 54: $487,049 Roth balance, $379,898 after withdrawal tax estimate, $180,000 contributed, $297,049 estimated earnings.
  25. Year 25, age 55: $528,642 Roth balance, $412,341 after withdrawal tax estimate, $187,500 contributed, $331,142 estimated earnings.
  26. Year 26, age 56: $573,147 Roth balance, $447,055 after withdrawal tax estimate, $195,000 contributed, $368,147 estimated earnings.
  27. Year 27, age 57: $620,767 Roth balance, $484,199 after withdrawal tax estimate, $202,500 contributed, $408,267 estimated earnings.
  28. Year 28, age 58: $671,721 Roth balance, $523,942 after withdrawal tax estimate, $210,000 contributed, $451,721 estimated earnings.
  29. Year 29, age 59: $726,242 Roth balance, $566,468 after withdrawal tax estimate, $217,500 contributed, $498,742 estimated earnings.
  30. Year 30, age 60: $784,578 Roth balance, $611,971 after withdrawal tax estimate, $225,000 contributed, $549,578 estimated earnings.
Lower return$541,5115% return
Base$784,5787% return
Higher return$1,154,9839% return
YearAgeContributedEarningsRoth balanceTraditional IRA after-tax estimate
131$7,500$700$18,200$14,196
535$37,500$9,656$57,156$44,582
1040$75,000$38,295$123,295$96,170
1545$112,500$93,558$216,058$168,525
2050$150,000$186,163$346,163$270,007
2555$187,500$331,142$528,642$412,341
3060$225,000$549,578$784,578$611,971

How this calculator works

Annual mode applies the expected annual return and then adds that year's contribution at year end. Monthly mode converts the annual return into a monthly rate and adds one-twelfth of the annual contribution each month.

The traditional IRA after-tax estimate is illustrative only. This is a planning estimate and does not include fees, inflation, changing contribution limits, income eligibility rules, invested tax deductions, early withdrawal rules, or market volatility.

Need to check the income phase-out first? Use the Roth IRA eligibility calculator for a direct-contribution estimate.

For formulas, timing assumptions, and limitations, read the calculator methodology.

2026 IRA contribution limit source: IRS IR-2025-111.