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Roth IRA Calculator

See how much your Roth IRA could be worth at retirement, and how much tax-free growth beats a taxable account. 2026 contribution limits built in.

Roth IRA balance at 65
$1,126,447
Total contributions
$267,500
Tax-free growth
$858,947
Same savings in a taxable account
$798,091
Roth advantage
$328,356
AgeContributionBalance
31$7,500$13,113
32$7,500$21,793
33$7,500$31,081
34$7,500$41,019
35$7,500$51,653
36$7,500$63,031
37$7,500$75,206
38$7,500$88,233
39$7,500$102,171
40$7,500$117,086
41$7,500$133,044
42$7,500$150,120
43$7,500$168,391
44$7,500$187,941
45$7,500$208,859
46$7,500$231,242
47$7,500$255,191
48$7,500$280,817
49$7,500$308,237
50$7,500$337,576
51$7,500$368,969
52$7,500$402,559
53$7,500$438,501
54$7,500$476,958
55$7,500$518,108
56$7,500$562,138
57$7,500$609,250
58$7,500$659,660
59$7,500$713,599
60$7,500$771,313
61$7,500$833,068
62$7,500$899,145
63$7,500$969,847
64$7,500$1,045,499
65$7,500$1,126,447

What a Roth IRA can grow to

You pay into a Roth IRA with after-tax money, and both the growth and qualified withdrawals are tax-free. A 30-year-old with $5,000 who adds the $7,500 limit each year at 7% could have about $1.13 million at 65. The calculator compares that with the same savings in a taxable account, where returns are taxed every year at your rate. The gap is the Roth's tax advantage: about $330,000 in this example at a 22% tax rate.

How to use it

  1. 1

    Enter your ages

    Your age now and when you plan to retire.

  2. 2

    Add your contributions

    Current balance, yearly contribution and expected return.

  3. 3

    Compare

    Roth balance, tax-free growth and the taxable-account comparison.

Frequently asked questions

What is the Roth IRA limit for 2026?

$7,500 a year, or $8,600 if you're 50 or older. High incomes reduce or remove the limit.

When can I withdraw tax-free?

Contributions can come out any time. Earnings are tax- and penalty-free after age 59½ once the account is at least 5 years old.

Roth or traditional IRA?

A Roth wins if your tax rate in retirement will be the same or higher than today; a traditional IRA wins if it will be lower.

Is this saved anywhere?

No. Nothing leaves your browser.

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