Estimate how a Roth IRA balance and regular contributions could grow by retirement. The calculator checks the entered contribution against the 2026 IRA limit for the current age entered.
✓ No sign-up✓ Clear formula✓ Strict input checks✓ Mobile friendly
Calculator
Enter your assumptions
Complete every field. The calculator starts blank so the result reflects only the values you choose.
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What is the Roth IRA Calculator?
Estimate how a Roth IRA balance and regular contributions could grow by retirement. The calculator checks the entered contribution against the 2026 IRA limit for the current age entered.
The calculator converts the annual contribution to a monthly equivalent and applies monthly compounding. It separates money contributed from modeled growth.
Formula and calculation method
FV = P(1 + r)^n + PMT × ((1 + r)^n − 1) ÷ r
The result uses only the values entered on this page. It does not fetch account balances, market prices, tax returns or provider quotes.
Important limitations
Financial projections simplify real life. Returns can vary, laws and limits can change, inflation is uncertain, and taxes or fees may apply. Review the result as a scenario—not a promise.
Financial scope: Educational estimates only; not financial, investment, tax, legal or insurance advice.
Roth IRA Calculator FAQs
The combined 2026 limit for traditional and Roth IRAs is $7,500, or $8,600 for people age 50 or older, subject to taxable compensation and Roth income limits.
No. Modified adjusted gross income and filing-status phaseouts are not calculated.
No. Qualified-distribution rules must be satisfied; this page does not determine tax treatment.
No. Results are educational estimates and do not replace personalized financial, investment, tax, legal or insurance advice.
Yes. A displayed result is hidden as soon as an input changes so an old answer is not mistaken for a current calculation.
Yes. The page and result panel are responsive for phones, tablets and desktop screens.
