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Roth IRA Savings Calculator
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Roth IRA Calculator
Use our free Roth IRA calculator to see how much you can contribute this year and get an estimate of your potential retirement balance.
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A Roth IRA is a widely used retirement savings account with key tax advantages. Unlike traditional IRAs, which may offer tax deductions upfront, Roth IRAs are funded with after-tax dollars, which means tax-free withdrawals in retirement. The calculator below can help you estimate your maximum annual Roth IRA contribution, as well as your balance at retirement.
A Roth IRA is a widely used retirement savings account with key tax advantages. Unlike traditional IRAs, which may offer tax deductions upfront, Roth IRAs are funded with after-tax dollars, which means tax-free withdrawals in retirement. The calculator below can help you estimate your maximum annual Roth IRA contribution, as well as your balance at retirement.Investment details
Contribution year Current age Tax filing status Annual income Starting balance Annual contribution ($7,500 max) Annual contribution ($7,500 max) Your contribution amount depends on your filing status and annual income. The calculator will adjust automatically based on your previous answers. Estimated rate of return Estimated rate of return The average annual return you expect from your IRA investments each year. Roth IRA return rates are generally around 6%. Retirement age$1,367,912
Roth IRA Roth IRA Standard Taxable Account Standard Taxable AccountAbout this Roth IRA calculator
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June Sham is a lead writer on NerdWallet’s investing and taxes team covering retirement and personal finance. She is a licensed insurance producer, and previously was an insurance writer for Bankrate specializing in home, auto and life insurance. She earned her Bachelor of Arts in creative writing at the University of California, Riverside. Lead Writer + more + more
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How to fill out your Roth IRA detailsContribution year: Every year, the IRS reviews IRA contribution limits and Roth IRA income limits, which can affect whether or not and how much you can contribute to your Roth IRA. Most people will now be contributing for 2026. However, you can make 2025 contributions until Oct. 15, 2026 if you filed an extension — toggle to 2025 in the calculator to use this option.
Contribution year: Contribution year: Every year, the IRS reviews IRA contribution limits and Roth IRA income limits, which can affect whether or not and how much you can contribute to your Roth IRA. Most people will now be contributing for 2026. However, you can make 2025 contributions until Oct. 15, 2026 if you filed an extension — toggle to 2025 in the calculator to use this option.Current age: The age you are now. Those 50 or older are eligible to contribute an extra $1,100 as a catch-up contribution in 2026.
Current age: Current age: The age you are now. Those 50 or older are eligible to contribute an extra $1,100 as a catch-up contribution in 2026.Tax filing status: This is the filing status that you report to the IRS on your tax forms. Filing status is one of two factors considered when determining your Roth IRA contribution limit.
Tax filing status: Tax filing status: This is the filing status that you report to the IRS on your tax forms. Filing status is one of two factors considered when determining your Roth IRA contribution limit.Annual income: For the purposes of this calculator, use your modified adjusted gross income (MAGI), which is your adjusted gross income with specific deductions added back in. It’s one of two factors used to determine your Roth IRA contribution limit (the other being filing status).
Annual income: Annual income: For the purposes of this calculator, use your modified adjusted gross income (MAGI) , which is your adjusted gross income with specific deductions added back in. It’s one of two factors used to determine your Roth IRA contribution limit (the other being filing status).Starting balance: The total current balance in your Roth IRA.
Starting balance: Starting balance: The total current balance in your Roth IRA.Annual contribution: The amount that you plan to contribute to your Roth IRA each year. The maximum amount you can contribute to your Roth IRA depends on your age, your filing status and modified adjusted gross income.
Annual contribution: Annual contribution: The amount that you plan to contribute to your Roth IRA each year. The maximum amount you can contribute to your Roth IRA depends on your age, your filing status and modified adjusted gross income.Estimated rate of return: The annual rate of return is the amount the investments in your Roth IRA lose or gain in a year. The Roth IRA calculator defaults to a 6% rate of return, which can be adjusted to reflect the expected annual return of your investments.
Estimated rate of return: Estimated rate of return: The annual rate of return is the amount the investments in your Roth IRA lose or gain in a year. The Roth IRA calculator defaults to a 6% rate of return, which can be adjusted to reflect the expected annual return of your investments.Retirement age: Your retirement age is the age you hope to retire. The full retirement age ranges from 65 to 67, depending on your year of birth.
Retirement age: Retirement age: Your retirement age is the age you hope to retire. The full retirement age ranges from 65 to 67, depending on your year of birth.» Ready to get started? See NerdWallet’s picks for the best Roth IRA accounts.
» Ready to get started? » Ready to get started? See NerdWallet’s picks for the best Roth IRA accounts.NerdWallet Wealth Partners created a free calculator to estimate your financial independence number, see where you stand, and find out how much you might need to close the gap.
FIND OUT NOWNWWP is an SEC-registered investment adviser. Registration does not imply skill or training. The calculator is provided for informational and educational purposes only.
NWWP is an SEC-registered investment adviser. Registration does not imply skill or training. The calculator is provided for informational and educational purposes only.Roth IRA contribution and phase-out limits
Roth IRA contribution and phase-out limitsThe amount you can contribute to a Roth IRA depends on your annual income. The Roth IRA contribution limit is $7,500 for 2026 ($8,600 if aged 50 and older). At certain incomes, the contribution amount is lowered until it is eliminated completely.
The amount you can contribute to a Roth IRA depends on your annual income. The Roth IRA contribution limit is $7,500 for 2026 ($8,600 if aged 50 and older) $7,500 for 2026 ($8,600 if aged 50 and older) $7,500 for 2026 ($8,600 if aged 50 and older) . At certain incomes, the contribution amount is lowered until it is eliminated completely.While this restricts direct contributions to a Roth IRA, high earners can utilize other options to add to their Roth IRA, such as a backdoor Roth, or explore other retirement accounts.
While this restricts direct contributions to a Roth IRA, high earners can utilize other options to add to their Roth IRA, such as a backdoor Roth , or explore other retirement accounts.See the table below for a breakdown of the Roth IRA income restrictions for 2026.
See the table below for a breakdown of the Roth IRA income restrictions for 2026.2026 Roth IRA income and contribution limits
2026 Roth IRA income and contribution limits
2026 Roth IRA income and contribution limitsFiling status
Filing status Filing statusModified gross adjusted income
Modified gross adjusted income Modified gross adjusted incomeContribution limits
Contribution limits Contribution limitsSingle
Single SingleHead of household
Head of household Head of householdMarried filing separately (if you didn't live with your spouse during the year)
Married filing separately Married filing separately (if you didn't live with (if you didn't live with your spouse during the year) your spouse during the year)Less than $153,000.
Less than $153,000.$7,500 ($8,600 if 50 or older).
$7,500 ($8,600 if 50 or older).$153,000 or more, but less than $168,000.
$153,000 or more, but less than $168,000.Contribution is reduced.
Contribution is reduced.$168,000 or more.
$168,000 or more.No contribution allowed.
No contribution allowed.Married filing jointly
Married filing jointly Married filing jointlySurviving spouse
Surviving spouse Surviving spouseLess than $242,000.
Less than $242,000.$7,500 ($8,600 if 50 or older).
$7,500 ($8,600 if 50 or older).$242,000 or more, but less than $252,000.
$242,000 or more, but less than $252,000.Contribution is reduced.
Contribution is reduced.$252,000 or more.
$252,000 or more.No contribution allowed.
No contribution allowed.Married filing separately (if you lived with spouse at any time during year)
Married filing separately (if you lived with spouse at any time during year) Married filing separately (if you lived with spouse at any time during year)Less than $10,000.
Less than $10,000.Contribution is reduced.
Contribution is reduced.$10,000 or more.
$10,000 or more.No contribution allowed.
No contribution allowed.» Learn more about Roth IRA withdrawal rules.
» Learn more » Learn more about Roth IRA withdrawal rules .Wondering how much to put in a Roth IRA per month?
Wondering how much to put in a Roth IRA per month? Wondering how much to put in a Roth IRA per month?If you are under 50 and qualify for the full contribution, that is around $625 per month to reach the maximum contribution limit of $7,500 for 2026.
If you are under 50 and qualify for the full contribution, that is around $625 per month to reach the maximum contribution limit of $7,500 for 2026.Salary bumps, bonuses, and even a life event change, such as marriage, could affect your Roth IRA contribution limit, especially if your MAGI is close to the Roth IRA income limits. See the table below for the phase-out ranges.
Salary bumps, bonuses, and even a life event change, such as marriage, could affect your Roth IRA contribution limit, especially if your MAGI is close to the Roth IRA income limits. See the table below for the phase-out ranges.