Roth IRA Calculator | Growth & Contribution Limits
Project your Roth IRA balance at retirement
Check MAGI income eligibility limits by filing status, plan annual contributions, and estimate tax-free...
When Should You Use This Calculator?
- Calculate Roth IRA growth with tax-free withdrawals in retirement
- Plan annual Roth IRA contributions within IRS contribution limits
- Project retirement savings with Roth IRA and see future value over time
- Compare Roth IRA vs Traditional IRA benefits for your retirement strategy
- Understand tax-free retirement savings growth and withdrawal advantages
Key Features:
- Two modes: Simple and Eligibility
- Roth IRA growth calculation with tax-free withdrawals
- Filing-status and MAGI context for eligibility checks
- Future value projection with contribution and growth split
Frequently Asked Questions
Who is eligible for a Roth IRA?
Eligibility depends on Modified Adjusted Gross Income (MAGI). For 2026, single filers can make a full contribution below $153,000, with a phase-out range up to $168,000. Married filing jointly limits are $242,000 (full) to $252,000 (phase-out). Use the eligibility checker in this calculator to see your reduced contribution limit based on filing status and income.
Can I withdraw my Roth IRA money anytime?
You can withdraw your contributions (not earnings) anytime tax-free and penalty-free at any age. However, withdrawing earnings before age 59½ and before the account is 5 years old typically incurs income taxes and a 10% penalty. Qualified withdrawals in retirement are completely tax-free.
What is a backdoor Roth IRA?
A backdoor Roth IRA is a strategy for high-income earners who exceed the income limit: make a non-deductible Traditional IRA contribution, then convert it to a Roth IRA. There is no income limit on conversions. Be aware of the pro-rata rule if you have other pre-tax IRA funds. This calculator does not model conversions — it is background if a phase-out advisory shows you are over the direct-contribution limit.
How much will my Roth IRA be worth at retirement?
Use the growth projection: enter your current balance, annual contribution, expected return rate, and years to retirement. The calculator compounds tax-free growth and shows your estimated balance at retirement, since Roth withdrawals in retirement are not taxed.
Can I export my Roth IRA Calculator calculations?
Yes. In guest mode you can export your calculations to JSON. Signing in adds PDF and CSV export. Click the export button to download your results — useful for record-keeping, sharing, or importing into other tools.
Does this calculator save my history?
Yes. Your calculation history is saved automatically. As a guest you can keep up to 50 calculations per workspace on your device. Sign in for free to keep up to 100 per workspace and access them from any device.
Is this calculator free to use?
Yes. The Roth IRA Calculator is free to use with no sign-up required. A free account adds more calculation history, multiple workspaces, and access to your saved data from any device.
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