Retirement timeline
Retirement age controls how many years are modeled. A later retirement age gives more time for contributions and compounding.
Retirement calculatorrothiraestimator.com
Roth IRA retirement calculator
Estimate your Roth IRA balance at retirement age with yearly projections.
Roth IRA calculator guide
How this Roth IRA retirement calculator works
This Roth IRA retirement calculator estimates the balance you could have at the retirement age you enter.
Use the year-by-year table to review the path from current age to retirement age, including annual growth and contributions.
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.
Retirement calculator
Retirement timeline details
The retirement page is centered on the endpoint: what the modeled Roth IRA balance could look like when the selected retirement age arrives.
Timeline length
Retirement age determines the number of rows in the projection table and the number of years available for contributions and growth. Moving retirement age by even a few years can materially change the estimate.
Ending balance
The displayed retirement balance is the modeled balance at the end of the final projection year. It includes current balance growth, year-end contributions, and growth accumulated along the way.
Contributions versus growth
The total contributions metric helps separate what you contributed from what the account may have earned. That distinction is useful when comparing a shorter timeline with a longer one.
Today-dollar view
Use the inflation toggle when you want to view the retirement estimate in today's dollars. It can make a large future balance easier to compare with current spending expectations.
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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.Future valueEstimate future account value.Main estimatorEstimate growth, limits, and retirement balance.Max contributionCompare with a max-contribution scenario.Phase-out calculatorEstimate income phase-out effects.
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 retirement age should I enter?
The retirement estimate projects from current age to retirement age, then reports the modeled balance, contributions, and growth at the end of that timeline.
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.
Retirement age planning notes
Retirement-age pages should help compare endpoints. These notes explain why the same Roth IRA plan can look different at age 60, 67, or 70.
Timeline length matters
Changing retirement age changes the number of contribution years and the number of growth years. That makes it one of the strongest timeline inputs in the calculator.
Short horizons
If retirement age is near the current age, the table may show little room for contributions to compound. In that case, starting balance can dominate the estimate.
Compare real value
The today-dollar toggle can make later retirement ages easier to compare because it discounts future balances with the inflation assumption.
Privacy and measurement
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