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Roth IRA Calculator

Estimate how much a Roth IRA could grow to by retirement. Contributions are capped at the 2026 limit of $7,500 ($8,600 from age 50), and qualified withdrawals in retirement are generally tax-free.

By the CalcKite team · Last reviewed 19 Oct 2026 · Cite · Embed

How to use the Roth IRA Calculator

Fill in the fields on the left. Results, charts and the breakdown update instantly as you type or move a slider. Pick your country at the top of the page to switch currency.

Formula

Each year: balance = (balance + contribution) × (1 + return) Contribution is capped at the annual IRS limit

Frequently asked questions

What is the Roth IRA limit for 2026?

$7,500, or $8,600 if you're 50 or older. Higher incomes have a reduced limit or can't contribute directly.

Roth or traditional?

Roth suits you if you expect a higher tax rate in retirement; traditional gives a tax break now.

Cite or link to this calculator

Using this calculator in an article, report or assignment? You can cite it like this:

CalcKite. (2026). Roth IRA Calculator [Online calculator]. https://www.calckite.com/roth-ira-calculator/

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<a href="https://www.calckite.com/roth-ira-calculator/">Roth IRA Calculator</a> by CalcKite

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Results are estimates for information only and are not financial, tax or legal advice. Tax rules, interest rates and fees change, so confirm important numbers with your bank, employer or a qualified adviser. Read our disclaimer.