Roth IRA Tools Roth IRA Calculator 2026
A four-input projection built on the 2026 rules. For a starting balance, a Roth-vs-taxable comparison, a year-by-year table and an income-limit check, use the full Roth IRA growth calculator.
Estimated balance at retirement
at age 65, after 35 years
- Your contributions
- $210,000
- Investment growth
- $690,527
- Tax on withdrawals*
- $0
*Qualified withdrawals. Assumes a constant annual return, monthly contributions at month-end, and that taxable-account gains are taxed annually at your marginal rate. Actual results will vary.
The 2026 numbers at a glance
- Contribution limit: $7,500, or $8,600 if you’re 50 or older by December 31, 2026.
- Maxing out monthly: about $625 a month ($717 at 50+).
- Full contribution if MAGI is below: $153,000 single / head of household, $242,000 married filing jointly.
- No direct contribution at: $168,000 single, $252,000 married filing jointly.
- Deadline for 2026 contributions: April 15, 2027.
Source: IRS, IRA contribution limits. Details and the partial-contribution formula: Roth IRA income limits 2026.
Go deeper
The full growth calculator adds your current balance, compares a Roth IRA with a taxable account at your tax rate, shows every year until retirement and tells you how much you can contribute at your income. It also explains the withdrawal rules and the trade-offs of a Roth IRA.