Examples
Compare common contribution and time-horizon assumptions before adjusting the full calculator with your own numbers.
Last updated: May 2026. Reviewed against IRS 2026 IRA contribution limits and Roth IRA phase-out ranges.
Age 25 for 40 years
Young investor: $5,500 per year in a Roth IRA for 40 years with $0 starting balance, $5,500 annualized contributions, and a 7% return assumption.
$1,097,993Estimated final balance
$220,000Total contributions
7%Assumed annual return
Age 25 for 40 years
Maxing out a Roth IRA from age 25 for 40 years with $0 starting balance, $7,500 annualized contributions, and a 7% return assumption.
$1,497,263Estimated final balance
$300,000Total contributions
7%Assumed annual return
Age 30 for 30 years
Maxing out a Roth IRA for 30 years from age 30 with $10,000 starting balance, $7,500 annualized contributions, and a 7% return assumption.
$784,578Estimated final balance
$225,000Total contributions
7%Assumed annual return
Age 30 for 30 years
Starting a Roth IRA at 30 with no existing balance with $0 starting balance, $7,500 annualized contributions, and a 7% return assumption.
$708,456Estimated final balance
$225,000Total contributions
7%Assumed annual return
Age 35 for 25 years
Contributing $6,000 per year to a Roth IRA for 25 years with $0 starting balance, $6,000 annualized contributions, and a 7% return assumption.
$379,494Estimated final balance
$150,000Total contributions
7%Assumed annual return
Age 40 for 25 years
Starting a Roth IRA at 40: catching up with $0 starting balance, $7,500 annualized contributions, and a 7% return assumption.
$474,368Estimated final balance
$187,500Total contributions
7%Assumed annual return
Age 50 for 15 years
Roth IRA at 50: using the $1,100 catch-up contribution with $50,000 starting balance, $8,600 annualized contributions, and a 7% return assumption.
$354,061Estimated final balance
$129,000Total contributions
7%Assumed annual return
Age 55 for 10 years
Roth IRA at 55: 10 years to retirement with $100,000 starting balance, $8,600 annualized contributions, and a 6% return assumption.
$292,440Estimated final balance
$86,000Total contributions
6%Assumed annual return
Age 30 for 30 years
Contributing $500 per month to a Roth IRA with $0 starting balance, $6,000 annualized contributions, and a 7% return assumption.
$609,985Estimated final balance
$180,000Total contributions
7%Assumed annual return
Age 25 for 40 years
Contributing $250 per month to a Roth IRA with $0 starting balance, $3,000 annualized contributions, and a 7% return assumption.
$656,203Estimated final balance
$120,000Total contributions
7%Assumed annual return
Age 30 for 35 years
How long does it take to reach $1 million in a Roth IRA? with $0 starting balance, $7,500 annualized contributions, and a 7% return assumption.
$1,036,777Estimated final balance
$262,500Total contributions
7%Assumed annual return
Age 30 for 30 years
Spousal Roth IRA: contributing for a non-working spouse with $0 starting balance, $15,000 annualized contributions, and a 7% return assumption.
$1,416,912Estimated final balance
$450,000Total contributions
7%Assumed annual return
2026 IRA contribution limit source: IRS IR-2025-111.