Savings and investing · calculator · live

Roth IRA Calculator

Compare Roth IRA contribution and growth scenarios against tax-year, income, and time-horizon assumptions.

Built for savers comparing retirement contribution scenarios.

Planning information only. Not investment advice, not tax advice, not retirement advice, not legal advice, or fiduciary advice.

What this will help you decide

Tax-year contribution limits use official IRS source records.

Income-phaseout and eligibility notes should be separate from growth math.

Expected returns must be hypothetical and non-advisory.

Inputs and assumptions this product uses

• Uses official IRS 2026 contribution limits
• Avoid personalized retirement recommendations
• Label all growth rates as assumptions, not forecasts

What will not be included

• Planning information only. Not investment advice, not tax advice, not retirement advice, not legal advice, or fiduciary advice.
• The browser does not run calculator math or own financial assumptions.
• No partner or commercial routing can change the product output.

Retirement calculator

Run a Roth IRA contribution scenario

Check simplified 2026 contribution capacity and model hypothetical growth without investment advice.

AgeAge at year end.Filing statusRoth income-limit filing category.Modified AGIMAGI used for Roth phase-out check.Taxable compensationCompensation limit for IRA contributions.Planned contributionContribution amount to test.Current balanceExisting Roth balance for growth model.Annual returnHypothetical annual return assumption.YearsGrowth horizon.

Sources and effective dates

References are part of the product surface.

IRS IRA contribution limits

Official annual IRA contribution limits and taxable-compensation framing.

Retrieved 2026-05-24

IRS Roth IRA contributions topic

Official Roth IRA contribution topic and qualification context.

Retrieved 2026-05-24

Launch status

This product is available now.

Live calculator backed by the PolicyWorkspace planning-tool API with IRS 2026 limit and phase-out references. Live tools return source records, assumptions, warnings, effective dates, and generated timestamps from the backend planning-tool API.