Roth IRA Calculator

Current balance ($)

What's already in your Roth IRA today.

Annual contribution ($)

IRS 2026 limit: $7,000 ($8,000 if 50+).

Expected annual return (%)

S&P 500 historical: ~7% real, ~10% nominal.

Years until retirement

Projected balance after 30 years (tax-free)

$661,226

Roth withdrawals after age 59½ are tax-free — you keep the entire amount.

Total you contributed

$210,000

Investment growth

$451,226

The projection assumes constant annual contributions and a constant annual return — actual returns vary year to year. For a quick reality check, the long-term inflation-adjusted return of the S&P 500 has been about 7% per year since 1928.