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Roth IRA Calculator

Current age

Retirement age

Current balance ($)

Yearly contribution ($)

Expected return (%/yr)

Tax rate in retirement (%) for comparison

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How it is calculated

Future value of current balance + yearly contributions at the expected return
Tax saved vs taxable account ≈ growth × your retirement tax rate

Projections are illustrations, not guarantees. Taxes and fees are not included unless stated.

FAQ

What is the Roth IRA limit for 2026?

The 2026 IRA contribution limit is $7,500 ($8,600 if you are 50 or older), subject to income limits for Roth contributions. Verify current limits on irs.gov.

Roth or traditional?

Roth makes sense if you expect a higher tax rate in retirement than today; traditional if you expect a lower one. Many people split contributions to diversify tax treatment.

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