Roth IRA Calculator
Roth IRA balance at retirement using 2026 contribution limits and income phase-outs, plus the tax you avoid because qualified withdrawals are tax-free.
Result
Roth IRA at retirement (tax-free)
$1,143,542.40
- Total contributed
- $262,500.00
- Investment earnings
- $871,042.40
- Tax saved by going Roth
- $191,629.33
- Allowed contribution this year
- $7,500.00
Common questions
Can I contribute to a Roth IRA in 2026?
Yes if your modified AGI is under $153,000 (single) or $242,000 (married filing jointly). The limit shrinks to zero at $168,000 and $252,000. Above that, many people use a backdoor Roth.
What is the 2026 Roth IRA limit?
$7,500, or $8,600 if you are 50 or older. The limit is shared with any traditional IRA contributions.
Roth or traditional IRA?
A Roth makes sense when you expect a higher tax rate in retirement than now; a traditional IRA when you expect a lower one. Many people split contributions to hedge.