Roth IRA Calculator
Project a Roth IRA at retirement against a taxable account, with the 2026 contribution limits.
Change the values and press Calculate to work out your own figures.
Enter your balance, contribution, return and tax rate.
Show the working
- Roth = balance × (1 + r) + contribution
- taxable = balance × (1 + r(1 − tax)) + contribution
How to use it
Enter your balance, contribution, return and tax rate.
Enter amounts without commas or with them; rates are percentages (5 for 5%). Negative amounts are allowed where a sign means money paid out.
Key facts
Roth = balance × (1 + r) + contribution taxable = balance × (1 + r × (1 − tax)) + contribution
Income limits
In 2026 the Roth contribution phases out between $153,000 and $168,000 of MAGI (single) and $242,000 and $252,000 (joint).
Questions
What can I put in a Roth IRA in 2026?
$7,500, or $8,600 from age 50, within the income limits.
Formulas
Roth = balance × (1 + r) + contribution taxable = balance × (1 + r × (1 − tax)) + contribution
Sources
Limitations
- Results are estimates for planning, not offers or financial advice; lenders and banks may round, count days or time payments differently.
- Rates are nominal annual rates compounded as you choose; payments at a different frequency use the equivalent periodic rate.