Roth IRA Calculator

Compare Roth IRA growth and taxable investment saving.

Compare a qualified Roth IRA balance with equivalent after-tax saving in a taxable account.

Result

Roth IRA balance$958,897.78

Roth after-tax value$958,897.78

Comparable taxable investment balance$712,889.15

Total contributions$224,000.00

Uses published 2026 IRA limits for all future years. Assumes eligible contributions and qualified Roth distributions; income phaseouts and deductibility eligibility are not inferred. Taxable positive returns are taxed annually at the entered marginal rate. In the Traditional/Roth/taxable comparison, initial balances and contributions are entered pre-tax and converted to an equivalent after-tax basis for Roth/taxable saving.

Calculation details

Scroll horizontally or vertically to see more. Download CSV for the complete schedule.

Age	Annual contribution	IRA balance	Taxable balance
36	7,000	60,000	59,340
37	7,000	70,600	69,117.11
38	7,000	81,836	79,351.79
39	7,000	93,746.16	90,065.46
40	7,000	106,370.93	101,280.52
41	7,000	119,753.19	113,020.45
42	7,000	133,938.38	125,309.81
43	7,000	148,974.68	138,174.30
44	7,000	164,913.16	151,640.86
45	7,000	181,807.95	165,737.65
46	7,000	199,716.43	180,494.18
47	7,000	218,699.41	195,941.30
48	7,000	238,821.38	212,111.36
49	7,000	260,150.66	229,038.17
50	7,000	282,759.70	246,757.15
51	7,000	306,725.28	265,305.39
52	7,000	332,128.80	284,721.68
53	7,000	359,056.53	305,046.66
54	7,000	387,599.92	326,322.84
55	7,000	417,855.91	348,594.75
56	7,000	449,927.27	371,908.98
57	7,000	483,922.90	396,314.32
58	7,000	519,958.28	421,861.83
59	7,000	558,155.77	448,604.97
60	7,000	598,645.12	476,599.68
61	7,000	641,563.83	505,904.55
62	7,000	687,057.66	536,580.88
63	7,000	735,281.12	568,692.86
64	7,000	786,397.98	602,307.69
65	7,000	840,581.86	637,495.69
66	7,000	898,016.77	674,330.49
67	7,000	958,897.78	712,889.15

How to use this calculator

Compare a qualified Roth IRA balance with equivalent after-tax saving in a taxable account. Enter amounts in the units shown, select the applicable options, and click Calculate. Use Reset to restore the starting values.

Calculation formula

Roth earnings compound tax-free; taxable earnings are reduced by annual tax.

Assumptions and accuracy

Review timing, rates, fees and result notes when comparing scenarios. Future returns and rates are assumptions rather than guaranteed outcomes. Monetary display follows the currency’s precision; intermediate calculations retain additional digits.

Year-specific parameters are documented in the calculation notes. Rule eligibility and individual circumstances can change the result.

Choose what to calculate

Roth IRA growth calculator with contributions

Compare modeled Roth IRA growth with taxable savings using fixed-year contribution limits. Contribution eligibility and qualified tax-free withdrawals are assumed.

Open this calculation

Understanding this calculation

Compare a Roth IRA accumulation illustration with a taxable alternative using the same savings assumptions. Read contributions, account growth and tax-adjusted amounts separately.

Worked examples

Separate IRA contributions from investment growth

Illustrative inputs are specified in the steps below; the example link loads the complete settings. Unmentioned settings use the linked defaults.

With a zero assumed return over one projection year, opening savings of 1,000 plus a year-end contribution of 1,000 gives 2,000. Contribution eligibility must be checked separately.

Roth IRA balance: 2,000 USD.

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Common questions

Does the Roth IRA projection check my income eligibility?

No. The contribution input does not prove that you are eligible to make that contribution.

Is a Roth IRA balance always available tax-free?

Distribution treatment depends on applicable rules and circumstances. This projection does not determine whether a particular withdrawal is qualified.

Scope and assumptions

Contribution eligibility, income limits and qualified-distribution rules require separate checks. Tax-free results assume the modeled qualifying treatment; future caps are simplified.

Sources

Calculation notes checked October 20, 2026. Examples are mathematical checks under the stated assumptions.

Calculation methods and formulas

Roth IRA vs. Taxable Savings