Future value
The retirement balance metric shows the future value in nominal dollars unless the today-dollar toggle is enabled.
Future valuerothiraestimator.com
Roth IRA growth calculator
Estimate the future value of your Roth IRA balance and planned contributions.
Roth IRA calculator guide
How this Roth IRA growth calculator works
This Roth IRA future value calculator estimates what a current balance and contribution plan could become by retirement.
The result separates modeled contributions from investment growth so the future value is easier to interpret.
2026 contribution limits
For tax year 2026, the IRA contribution limit used here is $7,500. If you are age 50 or older, the calculator adds the $1,100 catch-up contribution.
Income phase-out ranges
Direct Roth IRA contributions may be reduced when modified AGI falls inside the IRS phase-out range for your filing status. Married filing separately has different treatment depending on whether you lived with your spouse during the year.
Inflation-adjusted estimates
Turning on today-dollar results discounts future balances with a 3% annual inflation assumption. Nominal future dollars are shown when the toggle is off.
Future value
How to interpret Roth IRA growth
A Roth IRA growth estimate is most useful when it explains which inputs are driving the ending balance, not only the balance itself.
Starting balance effect
Current balance is the starting point that immediately compounds in the first modeled year. A larger existing Roth IRA balance can make investment growth a bigger part of the result than new contributions.
Contribution schedule
Monthly, biweekly, weekly, and annual contribution inputs are converted into an annual modeled contribution before Roth IRA limits are applied. This keeps the projection table readable while still letting you enter the schedule you use.
Growth assumption
The expected annual return is an assumption, not a prediction. Use the calculator to compare scenarios such as conservative, moderate, and aggressive return assumptions.
Scenario comparison
The max-contribution scenario is shown alongside your entered plan. If the gap is large, it usually means contribution amount or eligibility limits are more important than small return changes.
Related Roth IRA calculators
Calculator by ageCompare age presets and compounding timelines.Compound interestFocus on annual compounding and growth.Contribution calculatorCheck contribution room and limits.Eligibility calculatorCheck income and filing-status eligibility.Main estimatorEstimate growth, limits, and retirement balance.Max contributionCompare with a max-contribution scenario.Phase-out calculatorEstimate income phase-out effects.Retirement calculatorEstimate balance at retirement age.
Roth IRA contribution sources
The contribution and phase-out logic is labeled by tax year because IRS limits can change. Use the official IRS pages below when you need the source rules behind the Roth IRA calculator.
Last updated June 7, 2026. Contribution limits and phase-out ranges are labeled for tax year 2026; always confirm current rules before making a contribution.
What is included in the Roth IRA future value estimate?
The future value estimate includes your starting Roth IRA balance, annual growth, and modeled contributions through retirement age.
How much can I contribute to a Roth IRA in 2026?
For tax year 2026, the IRA contribution limit is $7,500. People age 50 or older can add a $1,100 catch-up contribution, for a total of $8,600, subject to income and compensation rules.
What happens if my income is too high for a Roth IRA?
If your modified adjusted gross income falls within a Roth IRA phase-out range, your direct contribution limit may be reduced. Above the top of the range, direct Roth IRA contributions may not be available.
Does this Roth IRA calculator account for inflation?
The calculator can show nominal future dollars or an inflation-adjusted view using a 3% annual inflation assumption. Actual inflation and investment returns will vary.
Is the Roth IRA contribution limit per account or per person?
The IRA contribution limit generally applies per person across traditional and Roth IRAs combined, not separately to every IRA account. This estimator subtracts traditional IRA contributions you enter and caps modeled Roth IRA contributions at taxable compensation.
Interpreting growth assumptions
Growth pages should make return assumptions visible. These notes explain how to use the comparison table without over-trusting any single expected return.
Sensitivity, not forecast
The return table changes only the expected annual return, so it is useful for seeing sensitivity. It should not be read as a prediction of market performance.
Read the spread
If the 5%, 7%, and 9% rows are far apart, investment return assumptions are driving a large part of the final balance. If they are close, contribution room may matter more.
Test one lever at a time
Try lowering the expected return and increasing contributions separately. That comparison can show whether savings rate or return assumption is doing more work in the model.
Privacy and measurement
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