Contribution limits are annual and personal
IRS Roth IRA limits (and catch-up ages) change by year. Type only what you can actually contribute. This snapshot may mention a limit in copy; it does not enforce your MAGI.
Your numbers
Roth IRA growth
Contribution growth under an assumed return. Eligibility is not determined here.$
$
years oldSets the annual IRA limit, including catch-up from 50
years
%
Projected Roth IRA growth
$433,663Not an eligibility determinationContributions$150,000
Modeled growth$278,663
This year’s IRA limit$7,500Age 35
How we got this
- Annual contribution used$500.00 per month$6,000
- Total contributions$150,000
- Projected balance7% assumed return, contributed monthly$433,663
What we assumed
- This is a projected Roth IRA balance under the return you typed. It is not a determination of eligibility, and not investment advice.
- IRS tax year 2026 limits are applied: $7,500 a year, plus $1,100 catch-up from age 50. Contributions above the limit for your age are reduced to it. Official copy: irs-retirement-limits-2026-v1.
- Those limits are held flat for the whole projection. The IRS indexes them for inflation, so later years are understated rather than guessed at.
- Roth eligibility phases out by filing status and modified adjusted gross income. Those ranges are not modeled here, so a high earner may be able to contribute less than this shows, or nothing directly.
- Contributions are assumed to be made monthly in equal amounts, at the end of each month. The return you type is applied as a nominal annual rate compounded monthly, the same convention the other projection calculators use.
- Taxes, penalties, withdrawal rules, and conversions are not included.
Technical details
Method roth-ira-v1.0.0Data irs-retirement-limits-2026-v1
Guide
Roth IRA contribution growth, not eligibility
The page projects contributions growing at an assumed return. It does not test MAGI limits, earned-income rules, or conversion math. A projection can look healthy for someone who is not allowed to contribute.
Questions about this calculator
Can I contribute to a Roth IRA?
This page will not say. Eligibility depends on earned income and MAGI. Use IRS Publication 590-A or a tax professional.
Terms used here
- MAGI
- Modified adjusted gross income, used in Roth IRA eligibility. Not computed here.
- Roth IRA
- A retirement account with after-tax contributions and potentially tax-free qualified withdrawals. This page only grows contributions.
Practical tips
- If you are near an income limit, do not treat a maxed projection as a plan.
- Employer plans are on the 401(k) page; they have different limits.
Limits and caveats
- Not tax advice and not an eligibility determination.
Results are for information. They are not legal, tax, medical, or financial advice. How the math is maintained · Report a wrong figure.
Engine notes
Rounding, versioning, and omissions that sit beside the guide rather than repeating it.
- Growth only. Current balance plus monthly contributions compound monthly at the assumed return, using the shared contribution-growth primitive.
- Contribution-limit context. The IRS tax year 2026 IRA contribution limit is $7,500 (plus $1,100 catch-up at age 50+). Those caps are not enforced in the math.
- Eligibility. Roth IRA contribution eligibility depends on filing status and modified AGI. This page will not say you are eligible to contribute a stated amount.