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Retirement

Roth IRA Calculator

Project a Roth IRA balance and compare estimated tax-free qualified withdrawals with a taxable account illustration.

Best for: Project a Roth IRA balance and compare qualified tax-free withdrawals with an illustrative taxable account.

Your assumptions

Calculate your estimate

Your result

Roth IRA estimate

Projected Roth IRA balance
$576,798.39
Tax-free qualified withdrawal value
$576,798.39
Total contributions
$180,000.00
Illustrative tax on comparable taxable growth
$95,231.61

How to use this roth ira calculator

Use this Roth IRA calculator to project account growth and illustrate how qualified tax-free withdrawals can differ from a taxable account. Eligibility, contribution limits, and qualified-distribution rules still need to be checked separately.

  1. 1

    Enter the current Roth balance

    Use the current account value and a monthly contribution that stays within the contribution limit and your eligibility.

  2. 2

    Choose time and return assumptions

    Use the expected years until withdrawal and a planning return net of likely investment expenses.

  3. 3

    Read the tax comparison carefully

    Treat the future tax rate as an illustration for the taxable comparison, not a forecast of your personal tax outcome.

Worked planning example

Example: contribution consistency over a long horizon

Set up

Model a current Roth IRA balance with a monthly contribution through the planned withdrawal year.

Compare

Run a second case with a lower return and another with a smaller contribution to see which assumption creates the larger gap.

Takeaway

Time and consistent contributions can matter more than relying on a higher expected return.

A Roth projection depends on eligibility and withdrawal rules

The account can offer tax advantages, but the calculator cannot determine whether a contribution or distribution is qualified.

  • The combined 2026 traditional and Roth IRA contribution limit is $7,500, or $8,600 if eligible for the age-50 catch-up.
  • Income and filing status can reduce Roth IRA contribution eligibility.
  • Conversions, rollovers, ordering rules, and early withdrawals require separate analysis.

Calculation methodology and assumptions

The projection compounds the current balance and monthly contributions at the entered return. Qualified Roth IRA withdrawals are shown without federal income tax; the entered tax rate is applied only to projected growth as an illustrative taxable-account comparison. Contribution limits, eligibility, penalties, and state taxes are not modeled.

Primary references

Frequently asked questions

What is the 2026 Roth IRA contribution limit?

The combined contribution limit across traditional and Roth IRAs is $7,500 for 2026, or $8,600 if eligible for the age-50 catch-up, subject to taxable compensation and Roth income limits.

Are all Roth IRA withdrawals tax-free?

No. Qualified-distribution rules, contribution ordering, conversions, age, and the five-year rules can affect treatment. The calculator illustrates a qualified tax-free withdrawal.

Does this determine Roth IRA eligibility?

No. Eligibility depends on modified adjusted gross income, filing status, taxable compensation, and current IRS rules.

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