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Roth IRA Calculator

Tax-free growth projection — contributions + compounding.

Current Age

Retirement Age

Current Roth Balance

Annual Contribution

2026 limit: $7,000 ($8,000 if 50+). MAGI phase-out: ~$150k single / $236k MFJ

Expected Return %

Tax-free balance at age 65

$1,206,218

You contribute$245,000

Tax-free growth$961,218

Years35

Roth IRA: contributions any time tax-and-penalty-free. Earnings tax-free if 59½+ AND account ≥5 years. No RMDs in your lifetime.