Project Roth IRA contributions and growth with an entered net return, then compare the annual deposit plan with a verified IRA contribution limit.
A quick decision brief for this specific tool
Current Roth IRA balance, equal planned monthly contribution, whole projection years, an entered annual net-return scenario, and an externally verified annual IRA contribution limit
Planned annual contribution, amount above the entered limit, future contributions, modeled growth, and modeled ending balance
Equal end-of-month future-value arithmetic plus a narrow annual contribution-versus-entered-limit screen; no contribution eligibility or distribution treatment is selected
Choose your path
Project equal month-end Roth IRA contributions and compare their annual amount with an externally verified limit without deciding contribution eligibility, tax treatment, or retirement readiness.
Translate a monthly deposit plan into an annual amount and compare it with the verified personal limit.
Confirm current compensation/MAGI/filing/other-IRA facts externally, enter the applicable limit and monthly plan, then inspect any excess.
Can adjust the deposit schedule without treating the general IRS dollar limit as personal eligibility.
See deterministic contribution and growth arithmetic without a guaranteed-return promise.
Enter the statement balance, whole horizon, and a net-return scenario after fees; compare alternative documented scenarios separately.
Can reconcile deposits and modeled growth while recognizing losses, fees, and actual returns remain uncertain.
Avoid treating projected Roth balance as automatically tax-free to withdraw.
Use the balance model only, then review Publication 590-B for ordering, five-year, age/exception, rollover/conversion, and reporting facts.
Does not use the projection as a qualified-distribution or tax conclusion.
Outputs and checklists are planning aids. Review the linked current authorities and the records, terms, instructions, and requirements that apply to your exact situation before a consequential decision.
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Monthly contribution is multiplied by 12 and compared with the entered annual IRA limit. The general IRS limit is not personal eligibility: taxable compensation, MAGI, filing status, age, and contributions to every traditional and Roth IRA can change the usable amount.
Planned annual contribution = monthly contribution × 12The current balance and equal monthly deposits are compounded at the entered annual net-return scenario for a whole-year horizon. The return is an assumption after fees, not a forecast or guarantee.
FV = current × (1+r)^n + monthly × ((1+r)^n − 1) ÷ rPublication 590-A controls contribution rules and Publication 590-B controls distributions. A Roth label does not make every withdrawal tax-free; ordering, five-year, age or exception, rollover, conversion, beneficiary, and reporting facts matter.
Balance projection ≠ contribution eligibility or qualified-distribution decisionUpdated: August 2026
Model $625 equal monthly deposits and compare the $7,500 annual plan with a separately verified entered limit.
→ Shows annual contribution, amount above entered limit, total future deposits, modeled growth, and ending balance without deciding eligibility.
Raise the monthly plan while leaving the externally verified limit unchanged.
→ Shows $8,400 planned annually and $900 above the entered limit; it does not diagnose or correct an excess contribution.
Use a negative net return to see that the tool preserves downside assumptions instead of promising growth.
→ Reports signed modeled growth and the deterministic ending balance with no investment or retirement recommendation.
This tool models equal end-of-month contributions and one entered constant net return. It also compares the planned annual deposit with the annual IRA limit you enter. It does not determine whether you are eligible to contribute, how much your personal limit is, whether a contribution is excess, or whether a future distribution is qualified or tax-free.