Roth IRA Calculator

See the tax-free balance a Roth IRA could reach with yearly contributions.

Current age	30 years
Retirement age	65 years
Current balance	$10,000
Yearly contribution	$7,500
Expected return	6 %
Tax rate now (for comparison)	22 %

Current age

years

Retirement age

years

Current balance

Yearly contribution

2026 limit: $7,500, or $8,600 from age 50.

Expected return

Tax rate now (for comparison)

Balance at 65

$937,695

Qualified withdrawals are tax-free, so all $937,695 is yours to spend.

Contributions: $272,500
Growth: $665,195

Your IRA over time

Year 35Balance $937,695Paid in $272,500Point at the chart, or Tab to it and use ← →

BalancePaid in

Balance by year

Year	Paid in	Growth	Balance
1	$17,500	$825	$18,325
2	$25,000	$2,150	$27,150
3	$32,500	$4,003	$36,503
4	$40,000	$6,419	$46,419
5	$47,500	$9,429	$56,929
6	$55,000	$13,070	$68,070
7	$62,500	$17,379	$79,879
8	$70,000	$22,396	$92,396
9	$77,500	$28,165	$105,665
10	$85,000	$34,730	$119,730
11	$92,500	$42,139	$134,639
12	$100,000	$50,442	$150,442
13	$107,500	$59,694	$167,194
14	$115,000	$69,950	$184,950
15	$122,500	$81,272	$203,772
16	$130,000	$93,724	$223,724
17	$137,500	$107,372	$244,872
18	$145,000	$122,290	$267,290
19	$152,500	$138,552	$291,052
20	$160,000	$156,240	$316,240
21	$167,500	$175,439	$342,939
22	$175,000	$196,241	$371,241
23	$182,500	$218,740	$401,240
24	$190,000	$243,040	$433,040
25	$197,500	$269,247	$466,747
26	$205,000	$297,477	$502,477
27	$212,500	$327,850	$540,350
28	$220,000	$360,497	$580,497
29	$227,500	$395,551	$623,051
30	$235,000	$433,159	$668,159
31	$242,500	$473,474	$715,974
32	$250,000	$516,657	$766,657
33	$257,500	$562,882	$820,382
34	$265,000	$612,330	$877,330
35	$272,500	$665,195	$937,695

About the Roth IRA Calculator

Enter your age, retirement age, current balance, yearly contribution and expected return. The calculator projects the Roth balance, all of which can be withdrawn tax-free once the rules are met.

Roth IRA contributions are made after tax, and qualified withdrawals (after age 59½ with the account open 5 years) are tax-free. For 2026 the limit is $7,500, plus $1,100 from age 50. Eligibility phases out at higher incomes; check the IRS income limits for your filing status.

The formula

Each year: balance × (1 + r) + contribution × (1 + r/2)

Worked example

Age 30, retiring at 65, $10,000 now, $7,500 a year, 6% return

Contributions $272,500; growth $665,195
Balance at 65: $937,695, all tax-free
In a traditional IRA, 22% tax would leave about $731,402

Questions people ask

Can I withdraw contributions early?

Yes, Roth contributions (not earnings) can be withdrawn any time tax- and penalty-free.

Roth or traditional?

Roth suits you if you expect a higher tax rate in retirement than now.

Sources

IRS: IRA contribution limits