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Roth IRA Calculator

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Roth IRA Calculator

Roth IRA balance at retirement vs a taxable account

$
$
%
%

Your rate on returns in a taxable account.

years
years

Roth IRA at 65

$980,568

tax-free in retirement

Total contributions
$245,000
Tax-free growth
$715,568
Same savings in a taxable account
$689,495
Roth advantage
$291,073

2026 limit: $7,500 a year, $8,600 at 50+ (IRS), held flat in later years. Direct Roth contributions phase out between $153,000 and $168,000 of income for single filers ($242,000 to $252,000 joint). The taxable account is taxed on its returns every year. Estimates for planning only, not financial advice.

Roth IRA vs taxable account
Roth IRA: from $28,620 to $980,568; Taxable account: from $28,215 to $689,495$0$245.1K$490.3K$735.4K$980.6K3136414651566165
  • Roth IRA
  • Taxable account
AgeContributionRoth IRATaxable
31$7,000.00$28,620.00$28,215.00
32$7,000.00$37,757.20$36,799.67
33$7,000.00$47,442.63$45,770.66
34$7,000.00$57,709.19$55,145.34
35$7,000.00$68,591.74$64,941.88
36$7,000.00$80,127.25$75,179.27
37$7,000.00$92,354.88$85,877.33
38$7,000.00$105,316.17$97,056.81
39$7,000.00$119,055.14$108,739.37
40$7,000.00$133,618.45$120,947.64
41$7,000.00$149,055.56$133,705.28
42$7,000.00$165,418.89$147,037.02
43$7,000.00$182,764.03$160,968.69
44$7,000.00$201,149.87$175,527.28
45$7,000.00$220,638.86$190,741.01
46$7,000.00$241,297.19$206,639.35
47$7,000.00$263,195.02$223,253.12
48$7,000.00$286,406.72$240,614.51
49$7,000.00$311,011.13$258,757.17
50$7,000.00$337,091.80$277,716.24
51$7,000.00$364,737.30$297,528.47
52$7,000.00$394,041.54$318,232.25
53$7,000.00$425,104.03$339,867.70
54$7,000.00$458,030.28$362,476.75
55$7,000.00$492,932.09$386,103.20
56$7,000.00$529,928.02$410,792.85
57$7,000.00$569,143.70$436,593.52
58$7,000.00$610,712.32$463,555.23
59$7,000.00$654,775.06$491,730.22
60$7,000.00$701,481.57$521,173.08
61$7,000.00$750,990.46$551,940.87
62$7,000.00$803,469.89$584,093.20
63$7,000.00$859,098.08$617,692.40
64$7,000.00$918,063.96$652,803.56
65$7,000.00$980,567.80$689,494.72

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How the roth ira calculator works

Roth IRA contributions are made with after-tax money, and everything they earn can be withdrawn tax-free after age 59½ once the account is five years old. We compare that with investing the same after-tax dollars in a regular brokerage account, where returns are taxed each year.

For 2026 you can contribute up to $7,500 ($8,600 if you are 50 or older), as long as you have at least that much earned income and your income is under the phase-out range.

Using and checking your result

Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.

This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.

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