Roth IRA Calculator
Calculate your Roth IRA growth with tax-free projections. Compare Roth vs Traditional IRA to see which option is better for your retirement savings strategy.
Roth IRA Details
Roth IRA at Age 65 (Tax-Free)
Roth vs Traditional IRA Comparison
Based on your inputs, the Traditional IRA provides $82,715 more in after-tax retirement savings. Consider consulting a tax professional about your specific situation.
IRA Growth Projection
Year-by-Year Breakdown
| Age | Year | Roth Balance | Traditional Balance | Tax-Free Gains |
|---|---|---|---|---|
| 31 | 1 | $23,700 | $25,815 | +$1,200 |
| 32 | 2 | $33,096 | $37,496 | +$3,096 |
| 33 | 3 | $43,244 | $50,111 | +$5,744 |
| 34 | 4 | $54,203 | $63,735 | +$9,203 |
| 35 | 5 | $66,039 | $78,450 | +$13,539 |
| 36 | 6 | $78,823 | $94,341 | +$18,823 |
| 37 | 7 | $92,628 | $111,504 | +$25,128 |
| 38 | 8 | $107,539 | $130,039 | +$32,539 |
| 39 | 9 | $123,642 | $150,058 | +$41,142 |
| 40 | 10 | $141,033 | $171,678 | +$51,033 |
| 41 | 11 | $159,816 | $195,027 | +$62,316 |
| 42 | 12 | $180,101 | $220,245 | +$75,101 |
| 43 | 13 | $202,009 | $247,480 | +$89,509 |
| 44 | 14 | $225,670 | $276,894 | +$105,670 |
| 45 | 15 | $251,223 | $308,661 | +$123,723 |
| 46 | 16 | $278,821 | $342,969 | +$143,821 |
| 47 | 17 | $308,627 | $380,022 | +$166,127 |
| 48 | 18 | $340,817 | $420,039 | +$190,817 |
| 49 | 19 | $375,582 | $463,257 | +$218,082 |
| 50 | 20 | $413,129 | $509,933 | +$248,129 |
| 51 | 21 | $453,679 | $560,343 | +$281,179 |
| 52 | 22 | $497,474 | $614,786 | +$317,474 |
| 53 | 23 | $544,772 | $673,584 | +$357,272 |
| 54 | 24 | $595,853 | $737,087 | +$400,853 |
| 55 | 25 | $651,022 | $805,669 | +$448,522 |
| 56 | 26 | $710,603 | $879,738 | +$500,603 |
| 57 | 27 | $774,952 | $959,732 | +$557,452 |
| 58 | 28 | $844,448 | $1,046,126 | +$619,448 |
| 59 | 29 | $919,504 | $1,139,432 | +$687,004 |
| 60 | 30 | $1,000,564 | $1,240,201 | +$760,564 |
| 61 | 31 | $1,088,109 | $1,349,033 | +$840,609 |
| 62 | 32 | $1,182,658 | $1,466,571 | +$927,658 |
| 63 | 33 | $1,284,770 | $1,593,512 | +$1,022,270 |
| 64 | 34 | $1,395,052 | $1,730,608 | +$1,125,052 |
| 65 | 35 | $1,514,156 | $1,878,673 | +$1,236,656 |
Roth IRA Calculator FAQ
How much can I contribute to a Roth IRA in 2026?
The 2026 Roth IRA contribution limit is $7,500 if you are under 50, or $8,600 if you are 50 or older ($7,500 base plus a $1,100 catch-up). This limit is shared across all your traditional and Roth IRAs combined — it is not $7,500 per account.
How much will a Roth IRA grow in 20 years?
It depends on your contribution amount and rate of return, which is exactly what this calculator projects. As a reference point: contributing the current $7,500 annual limit at a 7-8% average annual return compounds to roughly $305,000-$345,000 over 20 years from a $0 starting balance. Use the calculator above with your own numbers, since starting balance, contribution growth, and actual returns all change the result significantly.
Why does this calculator compare Roth to a Traditional account?
The two accounts are taxed at different times: Traditional contributions reduce your taxable income now but are taxed on withdrawal, while Roth contributions are made after-tax but grow and withdraw completely tax-free. Comparing them side by side, using your current tax rate and an assumed retirement tax rate, shows which one likely leaves you with more spendable money — the answer depends heavily on whether your tax rate in retirement will be higher or lower than it is today.
Can I contribute to a Roth IRA if my income is too high?
Direct Roth IRA contributions phase out above certain income thresholds that adjust annually. High earners who are phased out typically use a "backdoor Roth" — contributing to a nondeductible Traditional IRA, then converting it to Roth. This calculator models the growth math once money is in the account; it does not check your eligibility to contribute directly.