Roth IRA Calculator 2026
Free Roth IRA calculator. Project your tax-free retirement savings growth. 2026 contribution limits, income eligibility, and conversion strategies.
Roth IRA Growth Over Time
| Start Age | $583/mo (max) | At Age 65 (8% return) | Tax-Free Withdrawals |
|---|---|---|---|
| 22 | $7,000/yr | $1,850,000 | ALL tax-free |
| 25 | $7,000/yr | $1,440,000 | ALL tax-free |
| 30 | $7,000/yr | $940,000 | ALL tax-free |
| 35 | $7,000/yr | $600,000 | ALL tax-free |
| 40 | $7,000/yr | $375,000 | ALL tax-free |
2026 Roth IRA Rules
| Rule | Details |
|---|---|
| Contribution Limit | $7,000 (under 50) / $8,000 (50+) |
| Income Limit (Single) | Phase-out: $150,000-$165,000 MAGI |
| Income Limit (Married) | Phase-out: $236,000-$246,000 MAGI |
| Contribution Withdrawals | Any time, tax-free, penalty-free |
| Earnings Withdrawals | Tax-free after age 59½ + 5-year rule |
| Required Min Distributions | NONE (unlike Traditional IRA!) |