Roth IRA Calculator

Free · no sign-up · reviewed September 2026

A Roth IRA is one of the best deals in personal finance: you contribute money you've already paid tax on, and then it grows and comes out completely tax-free in retirement. This calculator shows how large that tax-free pile could get.

Set your age, what you contribute each year, and your expected return. The green band is pure growth, and with a Roth, none of it is ever taxed. That's the magic of the account.

Drag to adjust

Your numbers

Your age now

Retirement age

Current Roth IRA balance

Yearly contribution

2026 limit is $7,500 ($8,600 if 50+)

Annual return

Tax-free at age 65

$1,217,708

Including $947,208 of growth you'll never pay tax on

💡 You'd contribute $270,500 over 35 years, and it could grow to $1,217,708. The best part: because it's a Roth, that entire balance, including the $947,208 of growth, comes out completely tax-free in retirement.

$270,500

You contribute

after-tax dollars

$947,208

Tax-free growth

never taxed

$1,217,708

At retirement

all yours

NowAge 47Age 65

What you put in$270,500
Tax-free growth$947,208

Years until retirement: 35
Total contributions: $270,500
Tax-free growth: $947,208
Balance at retirement: $1,217,708

Roth IRA Calculator · Far Better Off

https://farbetteroff.com/calculators/roth-ira-calculator

Open that link to get this calculator back with these exact numbers. Estimates for education only — Far Better Off is not a lender or a financial advisor, and these results are not financial advice.

The 2-minute guide

Pay tax now, skip it later

With a Roth IRA, you contribute after-tax dollars, so there's no upfront deduction. In exchange, every dollar of growth and every withdrawal in retirement is tax-free. That's an especially good trade when you're young or in a lower tax bracket now than you expect to be later.

Contribution limits and income limits

For 2026 you can put in up to $7,500 a year ($8,600 if you're 50 or older). There are also income limits above which you can't contribute directly, though a 'backdoor' Roth is a common workaround for higher earners. The limits usually nudge up over time.

Time is the whole game

Because Roth growth is never taxed, the longer your money compounds, the more the tax savings compound too. Starting in your 20s versus your 40s can mean hundreds of thousands more in tax-free money, for the same yearly contribution. Start small if you must, but start.

Frequently asked questions

How much will my Roth IRA be worth?

It depends on how much you contribute, your return and how many years you have. As an example, contributing $7,500 a year at a 7% return for 30 years grows to roughly $710,000, all of it tax-free. Enter your own numbers above for a personalized figure.

What is the Roth IRA contribution limit?

For 2026, you can contribute up to $7,500 across your IRAs, or $8,600 if you're 50 or older. You also need earned income at least equal to what you contribute, and there are income limits that can reduce or block direct contributions for high earners.

Is a Roth IRA better than a traditional IRA?

It depends on your tax situation. A Roth is usually better if you expect to be in the same or a higher tax bracket in retirement, or you value tax-free withdrawals and flexibility. A traditional IRA gives you the tax break now instead. Many people use both.

Can I withdraw from a Roth IRA early?

You can take out your own contributions (not the earnings) at any time without taxes or penalty, since you already paid tax on that money. Withdrawing the earnings before age 59½ generally triggers taxes and a penalty, with some exceptions like a first home purchase.

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