MasterTool

Roth IRA Calculator

Calculate roth ira from your own entered figures.

IRS 2026 retirement limits (Notice 2025-67) — 401(k)/403(b) deferral $24,500, IRA limit $7,500 last updated · reference source

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Currency: Amounts are calculated in the currency you select; this site does not convert between currencies and does not use live exchange rates.

Dated static reference; no live data is fetched. Verify current source values and assumptions before relying on results.

What this tool does

Calculate roth ira from your own entered figures. Roth eligibility phases out at higher incomes (2026 MAGI phase-out: $153,000–$168,000 single, $242,000–$252,000 married filing jointly) — eligibility is not checked here; a constant return and no early-withdrawal rules are assumed.

How to use the Roth IRA Calculator

  1. Enter or select current age.
  2. Enter or select current roth ira balance.
  3. Enter or select annual contribution.
  4. Enter or select expected annual return (%).
  5. Enter or select years to project.
  6. Enter or select tax rate today (%).
  7. Enter or select expected tax rate in retirement (%).
  8. Read the calculated result; change any measurement to compare alternatives.

Formula

annual contribution is capped at the IRS 2026 IRA limit for your age ($7,500, +$1,100 at 50+); Roth grows and is withdrawn tax-free, while the traditional comparison grows the same way and is taxed at the retirement rate on withdrawal
age
Current age
balance
Current Roth IRA balance
annual
Annual contribution
ret
Expected annual return (%)
years
Years to project
taxNow
Tax rate today (%)
taxRet
Expected tax rate in retirement (%)

Roth eligibility phases out at higher incomes (2026 MAGI phase-out: $153,000–$168,000 single, $242,000–$252,000 married filing jointly) — eligibility is not checked here; a constant return and no early-withdrawal rules are assumed.

Worked example

For roth ira calculator, the following measurements illustrate the exact method: Current age: 35; Current Roth IRA balance: 10000; Annual contribution: 7500; Expected annual return (%): 7; Years to project: 30; Tax rate today (%): 22; Expected tax rate in retirement (%): 22.

Inputs

  • Current age35
  • Current Roth IRA balance10000
  • Annual contribution7500
  • Expected annual return (%)7
  • Years to project30
  • Tax rate today (%)22
  • Expected tax rate in retirement (%)22

Result

  • Projected Roth IRA value (tax-free in retirement)$784,578.45
  • Traditional IRA value after retirement tax, for comparison$611,971.19
  • Roth advantage at the entered retirement tax rate$172,607.26
  • 2026 IRS IRA limit at age 35$7,500.00

Results explained

Projected Roth IRA value (tax-free in retirement)
Projected Roth IRA value (tax-free in retirement) from the formula above. Roth eligibility phases out at higher incomes (2026 MAGI phase-out: $153,000–$168,000 single, $242,000–$252,000 married filing jointly) — eligibility is not checked here; a constant return and no early-withdrawal rules are assumed.
Traditional IRA value after retirement tax, for comparison
Traditional IRA value after retirement tax, for comparison from the formula above. Roth eligibility phases out at higher incomes (2026 MAGI phase-out: $153,000–$168,000 single, $242,000–$252,000 married filing jointly) — eligibility is not checked here; a constant return and no early-withdrawal rules are assumed.
Roth advantage at the entered retirement tax rate
Roth advantage at the entered retirement tax rate from the formula above. Roth eligibility phases out at higher incomes (2026 MAGI phase-out: $153,000–$168,000 single, $242,000–$252,000 married filing jointly) — eligibility is not checked here; a constant return and no early-withdrawal rules are assumed.
2026 IRS IRA limit at age 35
2026 IRS IRA limit at age 35 from the formula above. Roth eligibility phases out at higher incomes (2026 MAGI phase-out: $153,000–$168,000 single, $242,000–$252,000 married filing jointly) — eligibility is not checked here; a constant return and no early-withdrawal rules are assumed.

Frequently asked questions

annual contribution is capped at the IRS 2026 IRA limit for your age ($7,500, +$1,100 at 50+); Roth grows and is withdrawn tax-free, while the traditional comparison grows the same way and is taxed at the retirement rate on withdrawal

Roth eligibility phases out at higher incomes (2026 MAGI phase-out: $153,000–$168,000 single, $242,000–$252,000 married filing jointly) — eligibility is not checked here; a constant return and no early-withdrawal rules are assumed.

No. All numbers are entered by you or come from the dated reference table shown on this page; calculations run locally.

This is an estimate, not financial, tax or legal advice. Verify the inputs and output with official sources and a qualified professional.

Check period consistency, currency, percentage inputs and the assumptions: Roth eligibility phases out at higher incomes (2026 MAGI phase-out: $153,000–$168,000 single, $242,000–$252,000 married filing jointly) — eligibility is not checked here; a constant return and no early-withdrawal rules are assumed.