Roth IRA Calculator
Discover the power of tax-free retirement growth. Project your future Roth IRA balance based on 2026 IRS contribution limits ($7,000), compounding market returns, and estimated tax-free retirement income.
Principal vs. Tax-Free Growth
DistributionTax-Free Growth Trajectory
Age 26 to 65Account Milestones Schedule
| Milestone | Total Contributed | Tax-Free Gains | Ending Balance |
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Why the Roth IRA is the Crown Jewel of US Retirement Accounts
Introduced by Senator William Roth under the Taxpayer Relief Act of 1997, the Roth Individual Retirement Account (Roth IRA) operates on a simple premise: you contribute dollars that have already been taxed, and in exchange, every single dollar of capital growth, dividend income, and capital gain can be withdrawn completely tax-free after age 59½.
Official 2026 Contribution Limits & Income Phase-Outs
For the 2026 tax year, the annual maximum contribution is $7,000 for savers under age 50, and $8,000 for those age 50 and older. The IRS sets income eligibility phase-outs for direct Roth contributions; higher earners who exceed these limits can legally access Roth accounts using the established "Backdoor Roth IRA" conversion process.