Roth IRA Calculator 2026
Calculate your tax-free retirement savings
Your Information
🎯 Goal-Based Planner
Enter your target and we’ll calculate the required monthly investment.
To reach your goal, invest:
$0
per month
Your Retirement Projection
Final Balance
$0
Tax-free
Total Contributions
$0
0 years
Interest Earned
$0
0%
Inflation-Adjusted
$0
Today’s dollars
📊 Breakdown
💰 Roth vs Traditional IRA
Roth IRA (Tax-Free)
$0
Traditional (After 22% Tax)
$0
Tax Savings with Roth
$0
Understanding Roth IRA
A Roth IRA is one of the most powerful retirement savings vehicles available. You contribute after-tax dollars, your money grows tax-free, and withdrawals in retirement are completely tax-free.
2026 Contribution Limits
- Under 50: $7,000 per year
- 50 or older: $8,000 per year (includes $1,000 catch-up)
Key Benefits
- Tax-Free Growth: All investment gains grow without taxes
- Tax-Free Withdrawals: No taxes in retirement (after 59½)
- No Required Distributions: Unlike Traditional IRAs
- Flexible Access: Withdraw contributions anytime penalty-free
Planning Tip: A 30-year-old contributing $7,000 annually with 8% returns would have approximately $932,000 by age 65—completely tax-free!