By CalculatorInn Team · Updated: 2026-03-22 · Free & accurate · Instant results
Project your Roth IRA balance at retirement based on annual contributions, current savings, expected returns, and years of growth.
Interactive Roth IRA Calculator
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FV = (Balance + Contribution) × (1 + r)^n compounded annually
Each year, your contribution is added and the entire balance grows by the expected return rate. Unlike traditional IRAs, qualified Roth withdrawals are completely tax-free.
For 2026, the Roth IRA contribution limit is $7,000 per year ($8,000 if you are 50 or older). Income limits apply for eligibility.
Roth IRA contributions are after-tax but withdrawals are tax-free. Traditional IRA contributions may be tax-deductible but withdrawals are taxed. Roth is generally better if you expect to be in a higher tax bracket at retirement.
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