$ Roth IRA Calc

Target calculator

When can I retire?

Start with your desired retirement spending, current age, Roth IRA balance, and monthly savings. The calculator estimates the first age when your portfolio could support that spending in 2026 dollars.

Last updated: May 2026. This is an educational deterministic estimate, not a Monte Carlo retirement plan.

What this answers

Turn “how much will it grow?” into “is it enough?”

  1. Enter your current Roth IRA balance and any other retirement assets.
  2. Add Roth contributions, 401(k), employer match, HSA, or taxable monthly savings.
  3. Set the annual spending you want in retirement and test the withdrawal-rate assumption.

Target-first planner

Find the first age that reaches your spending target

Used as the starting age for the retirement-age search.
If the target is not reached by this age, the result shows the remaining gap.
Existing Roth IRA balance included in the combined projection.
Use this for 401(k), HSA, taxable brokerage, cash earmarked for retirement, or similar assets.
Monthly Roth savings. Eligibility and IRA limits still matter for real contribution planning.
Add 401(k) contributions, employer match, HSA savings, taxable investing, or other recurring savings.
Annual spending goal in 2026 dollars, before Social Security or other income offsets.
Used to convert annual spending into a portfolio target. This is a planning shortcut, not a guarantee.
Nominal annual return assumption before inflation adjustment.
Converts future projected balances into 2026 purchasing power.
Optional yearly increase to monthly savings for raises, step-ups, or automatic contribution increases.

This deterministic estimate combines Roth IRA and other retirement assets. It does not model Social Security, taxes on non-Roth withdrawals, healthcare costs, debt, market sequence risk, or Monte Carlo success rates.

Earliest estimated retirement ageNot reached
Portfolio target in 2026 dollars$1,500,000
Projected portfolio at age 65$288,567
Annual income supported at age 65$11,543

Target not reached yet

This path does not reach the $1,500,000 target by age 100. At age 65, it supports about $11,543 per year in 2026 dollars.

Adding $200 per month still does not reach the target by the search age.

Progress toward the target

Balances are shown in 2026 dollars after 3% inflation. The target line is $1,500,000.

Retirement target chart with 16 age checkpoints, ending at age 100.

Age 55$192,878$7,715/yr supportedGap $52,285/yr
Age 60$237,966$9,519/yr supportedGap $50,481/yr
Age 65$288,567$11,543/yr supportedGap $48,457/yr
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How this target estimate works

The calculator projects a combined retirement portfolio using monthly contributions and a nominal annual return. It then converts each future balance into 2026 dollars using the inflation rate input and compares that amount against a portfolio target equal to annual spending divided by the withdrawal rate.

It intentionally stays conservative about complexity. It does not model Social Security, pension income, taxes on taxable or pre-tax withdrawals, healthcare costs, market sequence risk, required minimum distributions, or Roth IRA eligibility. Use the eligibility checker before treating a Roth contribution assumption as a real tax-year plan.

For formulas and limitations, read the calculator methodology.