Roth IRA Growth Calculator
Project year-end Roth IRA contributions under an assumed return. Current-year checks cover full-limit eligible scenarios; phase-outs need the IRS worksheet.
Rule year: 2026 · USD · Sources checked
Projected Roth IRA account value
Only full-limit income-eligible contributions are supported automatically; phase-out and married-separate cases require an IRS eligibility calculation. Future contributions and eligibility are assumed unchanged, with no future limit increases, fees, distributions or tax promises. The tool does not assess backdoor Roth transactions.
For informational purposes only. This estimate is not financial advice, a tax return, a payroll calculation or a lender decision. See the supported circumstances and exclusions below.
How this calculator works
Annual contributions are deposited at year end, which produces a different result from assuming a monthly deposit schedule. The 2026 age-based IRA limit also covers contributions to other traditional and Roth IRAs and cannot replace the taxable-compensation restriction. Income phase-outs and married-separate circumstances are deliberately outside the automatic eligibility model. Existing balances can still be projected with zero new contributions. Qualified-withdrawal rules are not established by a growth calculation.
Formula and rules
Balance = initial × (1+r)^years + annual contribution × ((1+r)^years − 1) / r. At zero return: initial + annual × years. Contributions occur at year end.
Assumptions and limitations
Only full-limit income-eligible contributions are supported automatically; phase-out and married-separate cases require an IRS eligibility calculation. Future contributions and eligibility are assumed unchanged, with no future limit increases, fees, distributions or tax promises. The tool does not assess backdoor Roth transactions.
Worked example
Start with $10,000 and add $5,000 at each year end for two years at 0% return. The balance is $20,000, entirely contributed capital. The current-year contribution example is below the under-50 $7,500 limit with $70,000 taxable compensation and Single MAGI.
- Projected Roth IRA account value
- $20,000.00
- Total contributed capital
- $20,000.00
- Projected growth or loss
- $0.00
- 2026 age-based IRA limit reference
- $7,500.00
Official sources and review
Reviewed against the sources below on 2026-10-06. Rates are held in versioned rule modules. Versioned rules, official source review and year-specific calculation tests.
- IRS: 2026 retirement contribution limits ↗
2026 employee 401(k), catch-up, IRA limits and Roth income phase-out ranges.
- IRS: IRA contribution limits ↗
Combined traditional/Roth annual contributions and taxable-compensation limitations; income restrictions also apply.
Common questions
Why are phase-out scenarios blocked?
A partial contribution limit requires the IRS worksheet and relevant income details. The calculator refuses to present a full contribution limit in that range.
Can high-income users project an existing balance?
Yes, with zero new contributions. Income restrictions on new contributions do not prevent the arithmetic projection of money already in the account.
Are withdrawals automatically tax-free?
No. Qualified distributions have separate age, holding-period and other conditions. This tool makes no tax-treatment promise.