Roth IRA Calculator
Project the tax-free growth of your Roth IRA contributions until retirement.
Details
Result
Tax-Free at Retirement
$1,509,175
Total Contributed
$254,860
Investment Gains
$1,254,315
Why Roth IRA is often the best retirement account
Contributions are after-tax, but qualified withdrawals in retirement are 100% tax-free — including all investment gains. No required minimum distributions during your lifetime. Contribute at 25, grow for 40 years at 8% = $7,000/yr becomes $1.8M tax-free.
2026 limits
- Contribution limit: $7,000 ($8,000 if age 50+)
- Income phase-out: Single $150k–$165k, MFJ $236k–$246k
- Beyond limit? Use a Backdoor Roth (after-tax → Traditional → convert to Roth)
Frequently Asked Questions
Everything you need to know, in one place.
What is the 2026 Roth IRA contribution limit?
Projected $7,000 ($8,000 if 50+). Income phase-out: Single $150k-$165k, MFJ $236k-$246k. Above the upper limit = no direct Roth contribution (use Backdoor Roth).
Why is Roth IRA considered superior for young investors?
You pay tax at today's (probably lower) rate, then the account grows 30-40 years completely tax-free. No RMDs during your lifetime. Excellent estate-planning tool.
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