Roth IRA Calculator
Roth IRA Calculator calculates projected Roth balance; contributions; growth; limit/eligibility warnings. Enter your assumptions above to get the primary answer first, followed by supporting metrics and detail where useful.
Inputs
Roth IRA CalculatorResults
Adjust the inputs, then use the primary action. The result will appear here.
What this calculator answers
Roth IRA Calculator calculates projected Roth balance; contributions; growth; limit/eligibility warnings. Enter your assumptions above to get the primary answer first, followed by supporting metrics and detail where useful.
How this calculation works
This tool uses current balance; contribution; age; years; return; tax year; eligibility inputs when modeling limits. It returns projected Roth balance; contributions; growth; limit/eligibility warnings. Headline results, charts, schedules, comparisons and exports are generated from the same normalized calculation state.
Worked example
Projected Roth IRA balance: 261,940.37 • Annual contribution modeled: 7,500 • 2026 age-based IRA limit: 7,500
Assumptions
Unless the tool says otherwise, rates are annual percentages, currency inputs are denominations rather than automatic FX conversions, and projections are mathematical models rather than guarantees. Typed values remain authoritative even outside normal slider ranges.
Limitations
Rules, limits, fees and tax calculations require a current versioned source package. When a source is stale or unavailable, the tool uses a truthful unavailable/manual state instead of pretending old data is current.
Sources & review
- IRS 2026 retirement contribution limits — United States retirement rules. Last reviewed: 2026-09-25.
Privacy and review status
Financial inputs stay on this device by default and are not placed into analytics, advertising or error payloads. Review the methodology or report a calculation issue if something looks wrong. Methodology · Report a calculation issue.
Common questions
What does the Roth IRA Calculator calculate?
It calculates projected Roth balance; contributions; growth; limit/eligibility warnings. The result is based on the inputs and assumptions shown on this page.
What inputs does the Roth IRA Calculator use?
The main inputs are current balance; contribution; age; years; return; tax year; eligibility inputs when modeling limits. Change them to model a different scenario.