Roth IRA Calculator 2026 — Tax-Free Growth & Contribution Limits
Project your Roth IRA balance with 2026 contribution limits ($7,500 base, $8,600 for 50+). See tax-free growth, contributions vs.
Roth IRA Calculator
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Your Total Contributions
$277,500
Tax-Free Investment Growth
▲ $919,425
Earnings as % of Final Balance
▲ 76.8% — The power of compounding
Tax Saved vs. Traditional IRA (10% withdrawal tax)
▲ $91,943
Annual Contribution (2026 IRS Max: $7,500)
$7,500/yr for 35 years
Investment Period
35 years
Scenario Comparison
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2026 IRS Contribution Limits
Under 50: $7,500/yr | Age 50+: $8,600/yr
Your contribution
$7,500/yr
Balance Breakdown at Retirement
Tax Advantage: Roth vs. Traditional at Withdrawal
Traditional IRA / Taxable
$91,943
taxes owed on earnings at 10% retirement rate
(Up to $119,693 if all taxed)
Roth IRA
$0
taxes owed — qualified withdrawals are 100% tax-free
You keep $1,196,925 all for yourself
If your 10% retirement tax rate estimate is correct, the Roth saves you $91,943 in taxes on earnings alone vs. a traditional IRA.
Balance Growth Over Time
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