Retiree Toolkit
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Roth IRA calculator

See what a Roth IRA could grow to by retirement. The most you can put in for 2027 is $7,500, or $8,600 from age 50.

Roth IRA balance at age 67

$604,746

Money you put in
$202,500
Balance you started with
$20,000
Growth at the return you assumed
$382,246

Returns are not guaranteed, and real results vary from year to year.

$604,746Age 40Age 54Age 67
Balance at each age, at the return you entered.

The limits this calculator applies

For 2027 the IRA contribution limit is $7,500, with a catch-up of $1,100 from age 50. The calculator uses those figures for every future year, because later limits have not been set.

Income limits for a Roth IRA

The amount you can put into a Roth IRA phases out as income rises. For 2027 the range is $158,000 to $173,000 for single filers and heads of household, and $250,000 to $260,000 for married couples filing jointly. This calculator does not check your income against those ranges.

No required withdrawals

The original owner of a Roth IRA does not have to take distributions at any age, unlike a traditional IRA, where required minimum distributions start at 73.

Questions people ask

How much can I put in a Roth IRA in 2027?

$7,500, or $8,600 if you are 50 or older.

Is there an income limit for a Roth IRA?

Yes. For 2027 the amount you can contribute phases out between $158,000 and $173,000 for single filers, and between $250,000 and $260,000 for married couples filing jointly.

Do Roth IRAs have required minimum distributions?

Not for the original owner, at any age.

Check our work

Every figure on this page was read from these official documents. Follow the links and compare.