What is the 2025 Roth IRA contribution limit?

For 2025 the Roth IRA limit is $7,000. If you are 50 or older you can add a $1,000 catch-up. This calculator applies the right cap automatically for each year of the projection.

What does maxing out a Roth IRA grow to?

It depends on your time horizon and return. As an illustration, contributing the $7,000 2025 Roth IRA maximum every year for 30 years at a 7% annual return grows to roughly $684,000 — most of which is compound growth, not the money you put in. Enter your own age and return for a personalised figure.

Is the projected Roth IRA balance tax-free?

Roth contributions are made with after-tax money, so qualified withdrawals in retirement (generally after age 59½ and a 5-year holding period) are entirely tax-free — including all the growth. There are income limits to contribute directly to a Roth IRA in 2025 (phasing out at $150,000–$165,000 for single filers and $236,000–$246,000 married filing jointly); this growth tool assumes you are eligible to contribute.

Does this account for inflation, fees or taxes?

No. It is a nominal pre-fee, pre-tax growth projection that enforces the 2025 IRS contribution limit but does not deduct investment fees, model inflation, or apply withdrawal taxes. Treat the result as an estimated account balance, not spendable after-tax income.

Is my data sent anywhere?

No. Every calculation runs entirely in your browser in JavaScript. None of your age, balance or contribution figures are ever transmitted to a server.

Roth IRA Max-Out Growth Calculator 2025 — Project $7,000/yr to Retirement

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Roth IRA Max-Out Growth Calculator 2025

Two questions decide your retirement number: how much you put in and how long it compounds. Most calculators do one or the other. This one does both — it caps each year’s contribution at the real 2025 IRS limit for a Roth IRA and then compounds it to your retirement age.

For 2025 the Roth IRA limit is $7,000 (+$1,000 catch-up at age 50+). The age-50 catch-up and are applied automatically in the years you qualify — the tool raises and lowers your cap as you cross each age band, so a multi-decade projection stays accurate. Roth contributions are after-tax, so qualified growth and withdrawals are tax-free — this projection shows the full tax-free balance.

Enter your current age, target retirement age, starting balance and expected annual return. Tick “contribute the IRS maximum every year” to see the ceiling, or untick it to model your own amount (it is still clamped to the legal limit). Everything runs in your browser — no figures are transmitted.

2025 limits used: Roth IRA $7,000 (+$1,000 catch-up at age 50+). Source: IRS Notice 2024-80 + IRS Newsroom IR-2024-285, verified 2026-06-17. Always confirm the current year’s figure at irs.gov.