Roth IRA Calculator 2026
Project your Roth IRA balance at retirement. See tax-free growth, how much you'd pay in taxes on a taxable account, and your net advantage.
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2026 limit: $7,000 ($8,000 if age 50+)
%
%
$1,083,942
Tax-Free Balance at Retirement
After 30 years
$235,000
Total Contributed
$848,942
Tax-Free Growth
$186,767
Taxes Saved vs Taxable
Years Until Retirement30
Total Contributions$235,000
Tax-Free Growth$848,942
Roth IRA Balance (tax-free)$1,083,942
Equivalent Taxable Account$897,175
Roth Advantage$186,767
Roth IRA vs Traditional IRA: Which Is Better?
The core question: will your tax rate be higher or lower in retirement? If higher → Roth wins (pay tax now at lower rate, withdraw tax-free later). If lower → Traditional wins (deduct now at higher rate, pay tax in retirement at lower rate).
For most people in their 20s–40s who expect income to grow over their career, the Roth is the better choice. The tax-free growth for 30+ years compounds dramatically.
2026 Roth IRA Rules
- Contribution limit: $7,000/year ($8,000 if 50+)
- Income phase-out: $150,000–$165,000 (single) / $236,000–$246,000 (MFJ)
- No required minimum distributions during owner's lifetime
- Contributions (not earnings) can be withdrawn anytime penalty-free