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Roth IRA calculator
What a Roth IRA grows to by retirement with yearly contributions, under the 2026 IRS limits.
Putting the 2026 maximum of $7,500 a year into a Roth IRA from 30 to 65, on top of $10,000, at 7% a year grows to $1,143,542. You put in $272,500; qualified withdrawals of the whole amount are tax-free.
Roth IRA at retirement
$1,143,542
You put in $272,500; tax-free growth adds $871,042.
In today's dollars: $406,396.
| Age | Balance | In today's dollars |
|---|---|---|
| 30 | $10,000 | $10,000 |
| 35 | $57,156 | $49,303 |
| 40 | $123,295 | $91,743 |
| 45 | $216,058 | $138,679 |
| 50 | $346,163 | $191,662 |
| 55 | $528,642 | $252,482 |
| 60 | $784,578 | $323,236 |
| 65 | $1,143,542 | $406,396 |
2026 Roth IRA limits
| Rule | 2026 |
|---|---|
| Contribution limit | $7,500 |
| Catch-up from age 50 | $1,100 |
| Income phase-out, single | $153,000 to $168,000 |
| Income phase-out, married filing jointly | $242,000 to $252,000 |
Above the phase-out range you cannot contribute directly to a Roth IRA for that year.
Why the tax-free part matters
In the example, growth adds $871,042 on top of what you put in. In a Roth IRA, qualified withdrawals, generally after 59½ and once the account has been open five years, are free of income tax, so that growth is never taxed. Contributions come out first under the IRS ordering rules.
Questions people ask
How much will my Roth IRA be worth?
With $7,500 a year at 7% for 30 years from nothing, about $708,456; at 5%, $498,291.
What is the Roth IRA limit for 2026?
$7,500, or $8,600 if you are 50 or older, as long as your income is below the phase-out range.
How much will 10000 grow in a Roth IRA?
Left alone at 7% a year, $10,000 becomes $38,697 in 20 years and $76,123 in 30.
Related
The 401(k) calculator includes the employer match, and the Roth conversion ladder explains early access.
Sources
- Internal Revenue Service, "401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500", IR-2025-111.
- Internal Revenue Service, Publication 590-B, Distributions from Individual Retirement Arrangements (IRAs).
Last reviewed by Asier Fernández, editor, on . Educational information only, not financial advice. How we calculate