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Project your Roth IRA balance at retirement with yearly contributions and growth, and check how much you can contribute in 2026 based on your income.
How much will my Roth IRA grow?
Everything happens on your device: nothing is uploaded to the internet.
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Roth IRA calculator: what it is for
Enter your age, retirement age, current balance, yearly contribution and expected return. The calculator projects your Roth IRA balance at retirement, applying the 2026 contribution limit and the catch-up once you turn 50, and shows how much of the balance is growth you can withdraw tax-free.
It also checks how much you are allowed to contribute this year based on your income and filing status.
How to use
- Enter your age, retirement age and balance.
- Enter your contribution and expected return.
- Enter your income to check the 2026 limit.
When to use it
- Planning retirement savings.
- Deciding between a Roth and a traditional IRA.
- Seeing the effect of starting early.
Frequently asked questions
What is the 2026 Roth IRA limit?
$7,500 a year, or $8,600 if you are 50 or older (a $1,100 catch-up). The limit is shared with traditional IRAs.
Who can contribute to a Roth IRA?
In 2026 the contribution phases out between $153,000 and $168,000 of modified AGI for single filers and heads of household, and between $242,000 and $252,000 for married couples filing jointly.
Why choose a Roth?
You contribute after-tax money, and qualified withdrawals in retirement, including all the growth, are tax-free. A traditional IRA gives a deduction now, but withdrawals are taxed.
Is it really free?
Yes, 100% free. No sign-up, no subscription and no usage limits. All Tools123 tools are free and run right in your browser.