Roth IRA Calculator 2026: Growth & Contribution Limit

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Formula at a glance

Roth IRA Calculator: Each year — (balance + contribution) × (1 + return). Example: Age 30, $7,500 a year to 65 → Roth IRA at 65 (tax-free): $1,109,351 — How the Roth IRA Calculator works: Each year — (balance + contribution) × (1 + return)

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📘 About the Roth IRA Calculator

You pay tax on the money now, then qualified withdrawals after age 59½ (from an account at least 5 years old) are completely tax-free, and there are no required minimum distributions for the owner.

For 2026 the limit is $7,500 ($8,600 at 50+). The amount you can put in shrinks for modified AGI between $153,000 and $168,000 (single) or $242,000 and $252,000 (married filing jointly). Above that, a backdoor Roth conversion is the usual workaround.

🧮 Formula

Each year

(balance + contribution) × (1 + return)

Reduced limit

$7,500 × (upper limit − MAGI) ÷ phase-out range

✏️ Worked examples

Age 30, $7,500 a year to 65

You enter
Filing status	Single
Current age	30 years
Retirement age	65 years
Modified AGI	90,000 $
You want to contribute each year	7,500 $
Current Roth IRA balance	0 $
Expected yearly return	7%

You get
Roth IRA at 65 (tax-free)	$1,109,351
You can contribute in 2026	$7,500
Total contributions	$262,500
Tax-free growth	$846,851

$1,109,351.

Income $160,000 (in the phase-out)

You enter
Filing status	Single
Current age	30 years
Retirement age	65 years
Modified AGI	160,000 $
You want to contribute each year	7,500 $
Current Roth IRA balance	0 $
Expected yearly return	7%

You get
Roth IRA at 65 (tax-free)	$621,231
You can contribute in 2026	$4,000 (reduced by the income limit)
Total contributions	$156,500
Tax-free growth	$464,731

$4,000 (reduced by the income limit).

🧭 How to use this calculator

What you enter

Filing status
Current age (years)
Retirement age (years)
Modified AGI ($)
You want to contribute each year ($)
Current Roth IRA balance ($)
Expected yearly return (%)

What you get

Roth IRA at 65 (tax-free)
You can contribute in 2026
Total contributions
Tax-free growth

❓ Frequently asked questions

What is the Roth IRA limit for 2026?

$7,500, or $8,600 if you are 50 or older, across all your IRAs.

What are the 2026 Roth IRA income limits?

Contributions phase out from $153,000 to $168,000 for single filers and $242,000 to $252,000 for married filing jointly.

Can I withdraw Roth IRA contributions?

Yes, your own contributions can come out at any time tax- and penalty-free. Earnings need the 59½ and 5-year rules.

What is a backdoor Roth IRA?

Contributing to a non-deductible traditional IRA and converting it to a Roth — a legal route for high earners.

🌱 Roth IRA Calculator 2026: Growth & Income Limits