Roth IRA Calculator
Project how much your Roth IRA grows with tax-free compounding. See contributions, tax-free earnings, and the pre-tax balance you'd need to match it.
Roth IRA Calculator
Project tax-free retirement growth with a Roth IRA
2026 limit: $7,000 ($8,000 if 50+)
With $7,000.00/year from age 30, your Roth IRA could grow to $1,223,207.46 by 65. Since withdrawals are tax-free, you'd need $1,568,214.69 in a pre-tax account to keep the same amount after 22% tax.
Assumes monthly compounding at 1/12 of the annual return. Roth contributions are made with after-tax dollars, so withdrawals in retirement are tax-free (contributions anytime, earnings after age 59½ with a 5-year holding period). 2026 contribution limit: $7,000 ($8,000 if 50+), subject to MAGI income limits. Roth IRAs have no RMDs at any age.
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Frequently Asked Questions
How much will a Roth IRA grow by retirement?+
Starting at 30 with $15,000, contributing $7,000/year at 7% annual return, your Roth could reach about $1.1 million by 65. Since it grows tax-free, that full amount is yours — a Traditional IRA would need ~$1.4 million pre-tax to match after a 22% withdrawal tax.
What is the Roth IRA contribution limit for 2026?+
The 2026 limit is $7,000 ($8,000 if you're 50+). Contributions phase out at higher incomes: $150,000-165,000 for single filers and $236,000-251,000 for married filing jointly (2025 figures, typically adjusted annually). You must have earned income.
Can I withdraw Roth IRA earnings tax-free?+
Yes — after age 59½ and a 5-year holding period, all withdrawals (contributions + earnings) are tax-free. Contributions can be withdrawn anytime without tax or penalty. Unlike Traditional IRAs and 401(k)s, Roth IRAs have no required minimum distributions (RMDs) during your lifetime.
How much will a Roth IRA grow by retirement?
Starting at 30 with $15,000, contributing $7,000/year at 7% annual return, your Roth could reach about $1.1 million by 65. Since it grows tax-free, that full amount is yours — a Traditional IRA would need ~$1.4 million pre-tax to match after a 22% withdrawal tax.
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