Estimate only—not tax, legal, or investment advice. Returns are not guaranteed. Contribution eligibility also depends on taxable compensation, contributions to other IRAs, filing details, and current IRS rules.
This Roth IRA Calculator estimates how a current balance and recurring contributions may grow by retirement. It displays projected balance, total contributions, estimated investment growth, inflation-adjusted value, and a basic 2026 contribution eligibility warning based on age, filing status, and modified adjusted gross income.
How to calculate Roth IRA growth
- Enter your current age and planned retirement age.
- Add the existing Roth IRA balance and annual contribution.
- Choose expected investment return, contribution increase, and inflation assumptions.
- Enter 2026 modified AGI and filing status for an eligibility warning.
- Press Calculate Roth IRA to view the projection.
Roth IRA Calculator FAQs
What is the 2026 IRA contribution limit?
The general combined contribution limit for traditional and Roth IRAs is $7,500 in 2026, or $8,600 for someone age 50 or older, subject to taxable compensation and Roth IRA income limits.
Are Roth IRA returns guaranteed?
No. The result is a mathematical projection based on the return entered. Actual investment performance and fees can materially change the outcome.
Does the calculator determine my exact contribution eligibility?
No. It provides a basic MAGI-range warning. Use official IRS worksheets or a qualified tax professional for the allowed contribution amount.