Calculate your Roth IRA growth in 2026. Contribution limits ($7,000/$8,000), tax-free projections, and interactive calculator.
A Roth IRA lets your money grow completely tax-free. You contribute after-tax dollars and pay zero taxes on withdrawals in retirement — including all the growth. In 2026, you can contribute up to $7,000/year ($583/month), or $8,000/year ($667/month) if you're 50 or older.
Income limits apply: single filers can contribute the full amount up to $150,000 MAGI, with a phase-out through $165,000. Married filers: full contribution up to $236,000, phase-out through $246,000. Above those limits, consider a Backdoor Roth IRA.
Maxing out a Roth IRA from age 25 to 65 at 7% annual returns results in approximately $1.5 million tax-free. This can be one of the most powerful retirement tools available — especially for younger workers in lower tax brackets.
2026 Roth IRA limit: $7,000 (under 50) · $8,000 (50+) · Contribution deadline: Tax Day 2027.
$7,000 for those under age 50, and $8,000 for those 50 and older (the $1,000 catch-up contribution). These limits apply per person per year.
Single filers: full contribution up to $150,000 MAGI, phase-out $150K–$165K. Married filing jointly: full contribution up to $236,000, phase-out $236K–$246,000. No contribution above those limits.
Roth is generally better if you expect to be in a higher tax bracket in retirement. Traditional IRA gives you a tax deduction now. Most young workers in moderate tax brackets benefit more from Roth.