Roth IRA Calculator

Your details

Automatically contributes the 2026 IRS limit: $7,500, or $8,600 if you are 50 or older.
For 2026 the IRS limit is $7,500, or $8,600 if you are age 50 or older.
yrs
yrs
A long-run, inflation-unadjusted estimate. Historically diversified stock portfolios have returned roughly 7-10% before inflation.
%
Your tax bracket on investment income. Used only to compare the Roth against a taxable brokerage account.
%
Currency
Roth balance at retirementGrowth-dominated
$851,532
Total contributions$235,000
Tax-free growth$616,532
Same plan in a taxable account$626,724
Tax paid in the taxable account$224,808
Roth advantage (extra kept)$224,808

Roth IRA: about 851,532 at retirement, 224,808 more than a taxable account.

  • Of the projected 851,532 balance, 616,532 is investment growth you can withdraw tax-free after age 59 and a half.
  • You contribute 235,000 over 30 years; compounding does the rest of the work.
  • At a 22% tax rate, the Roth keeps about 224,808 more than the same money in a taxed brokerage account.

Next stepAutomate contributions early in the year so more of your money has time to compound tax-free.

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