Retirement
Project Roth IRA growth or estimate a 2026 direct-contribution limit from age, compensation, MAGI and filing status.
Projected Roth IRA balance
$519,544.21
Total balance and contributions
$170,000.00
Modeled investment growth
$349,544.21
Contribution period
25 yr
Projected Roth IRA balance
Hover, tap or focus a column to see its exact value.
Annual Roth IRA projection
Detailed values use the same assumptions as the summary above.
| Year | Balance and contributions | Modeled growth | Projected balance |
|---|---|---|---|
| 1 | $26,000.00 | $1,642.09 | $27,642.09 |
| 2 | $32,000.00 | $3,836.64 | $35,836.64 |
| 3 | $38,000.00 | $6,623.56 | $44,623.56 |
| 4 | $44,000.00 | $10,045.70 | $54,045.70 |
| 5 | $50,000.00 | $14,148.96 | $64,148.96 |
| 6 | $56,000.00 | $18,982.58 | $74,982.58 |
| 7 | $62,000.00 | $24,599.37 | $86,599.37 |
| 8 | $68,000.00 | $31,055.94 | $99,055.94 |
| 9 | $74,000.00 | $38,412.99 | $112,412.99 |
| 10 | $80,000.00 | $46,735.63 | $126,735.63 |
| 11 | $86,000.00 | $56,093.65 | $142,093.65 |
| 12 | $92,000.00 | $66,561.91 | $158,561.91 |
This is an educational estimate, not tax advice. MAGI, compensation and filing-status definitions can require tax-form adjustments.
Calculation method
For 2026, the combined traditional and Roth IRA limit is $7,500, or $8,600 at age 50 or older, and cannot exceed eligible taxable compensation. The Roth amount can then be reduced by the filing-status MAGI phase-out and by contributions to other IRAs.
Detailed guide
The eligibility mode estimates the maximum direct Roth IRA contribution for tax year 2026. It applies the IRS annual IRA limit, age-50 catch-up, taxable-compensation cap, modified-AGI phase-out and contributions already made to other traditional or Roth IRAs.
The growth mode projects an existing balance and equal monthly contributions. It separates contributed dollars from modeled investment growth so you can compare contribution levels, time horizons and return assumptions after checking eligibility.
For 2026, the combined traditional and Roth IRA limit is $7,500, or $8,600 at age 50 or older, and cannot exceed eligible taxable compensation. The Roth amount can then be reduced by the filing-status MAGI phase-out and by contributions to other IRAs.
Growth uses FV = P(1 + r)ⁿ + PMT × ((1 + r)ⁿ − 1) ÷ r, where P is the current balance, PMT is the month-end contribution, r is the monthly return and n is the number of months.
Decision guide
Google leaders combine retirement growth with contribution eligibility, annual limits, and comparison with other account types. The eligibility mode applies published 2026 IRS thresholds; the separate growth mode projects the contribution you enter without pretending that the same limits apply to later years.
The annual IRA limit is only the starting point. Eligible taxable compensation can cap it, the filing-status MAGI range can reduce direct Roth eligibility, and traditional plus Roth IRA contributions share the same annual ceiling. Enter all three consistently for tax year 2026.
A contribution made earlier has more time to compound than the same amount deposited at year-end. The growth mode assumes equal month-end deposits and does not apply one year’s eligibility rules across a multi-year projection.
Roth contributions are generally made with after-tax dollars, while qualified withdrawals may receive different treatment from taxable accounts or traditional retirement accounts. A fair comparison considers the tax cost today and the expected tax effect later, not just identical account balances.
The account wrapper does not determine investment performance. Fees, asset allocation, and market returns drive growth. Run a lower-return case and remember that a smooth rate hides year-to-year volatility.
Save a baseline, then change only one input at a time: amount, rate, term, or recurring payment. Record the supporting outputs as well as the headline result—contributions, interest, total cost, remaining balance, or target date. This isolates the assumption that actually changes the decision instead of hiding it inside several simultaneous edits.
Do not tune every assumption until the calculator produces a preferred answer. Start with a cautious case, follow with a central case, and treat the favorable case as an upside scenario. A calculator result is not a lender quote, market forecast, or tax determination; actual dates, rounding, fees, contract rules, and required payments must be checked in primary documents.
Keep enough precision in the inputs and round only the output used for a decision. If the estimate supports a transaction, loan, tax calculation, or long-term plan, repeat it with figures from the contract or official statement. Any difference helps identify the assumption that still needs verification.
Roth IRA modified AGI can require adjustments to the AGI shown on a return. The calculator cannot derive it from every tax-form situation.
Traditional and Roth IRA contributions share one annual limit. Enter other IRA contributions so they reduce the remaining Roth amount.
A constant rate smooths market volatility. Compare several rates and remember that actual returns and fees vary.
The combined traditional and Roth IRA limit is $7,500, or $8,600 if you are age 50 or older, subject to taxable compensation and Roth income phase-outs.
It may be limited by taxable compensation, your filing-status MAGI phase-out, or contributions already assigned to another traditional or Roth IRA.
Qualified-distribution rules are not evaluated here. Verify account age, age requirements and other conditions separately.
You can run both projections with consistent return and time assumptions, but tax treatment and employer matching require separate analysis.
These primary sources explain the rules and concepts referenced by this calculator. Dated limits are used only where the calculator explicitly identifies the applicable year.
Updated: August 28, 2026
Useful comparisons
Estimate future value with monthly contributions, flexible compounding frequency and contribution timing.
Compare projected savings with a retirement income target based on age, contributions, spending, inflation and returns before and after retirement.
Project 401(k) growth with employee contributions, employer matching, salary growth and investment return.