Roth IRA Calculator
Project a Roth IRA balance at retirement from your contributions and return, see how much is tax-free growth, and compare with the same money in a taxable account.
Project a Roth IRA balance and separate regular contribution basis from earnings. Enter the current balance and the contributions already included in it separately. Tax-free treatment of earnings depends on qualified-distribution rules.
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Quick answers
Common cases, computed by this calculator with the assumptions listed under the method. Select one to load it above.
- $7,000 a year into a Roth IRA from 25 to 65 at 7%?
- $1,446,356 tax-free earnings require a qualified distribution, including the five-year rule Roth balance at 65 Open in the calculator
- $7,000 a year from 35 to 65 at 7%?
- $684,368 tax-free earnings require a qualified distribution, including the five-year rule Roth balance at 65 Open in the calculator
- $6,000 a year from 30 to 60 at 8%?
- $706,887 tax-free earnings require a qualified distribution, including the five-year rule Roth balance at 60 Open in the calculator
How the projection works
The starting balance and regular contribution basis are separate inputs. Each projected year earns the assumed return; that year’s contribution receives half a year of return as an approximation for deposits spread through the year.
Limits and eligibility
The model caps annual contributions at the 2026 limits: $7,500, or $8,600 when the age at the end of the projected year is at least 50. It holds those limits constant. It does not assess compensation, income phase-outs, contributions to other IRAs or conversion rules. You must independently check eligibility.
Withdrawal and comparison assumptions
Regular contribution basis is not the same as the whole account balance. Tax-free earnings generally require both the Roth five-year period and a qualifying condition such as reaching age 59½. The taxable comparison assumes the same starting basis and taxes positive gains once at withdrawal; dividend taxes, loss deductions and transaction taxes are excluded.
Sources
IRS annual contribution limits; IRS Publication 590-B: distributions and Roth ordering rules.
Calculation notes updated .