Retirement Planner

Estimate how much you may need to contribute to reach a goal, or choose your contribution amount and see how it may grow over time.

Client Information
Retirement Savings
Growth & Income Assumptions
Editable. Enter the annual return assumption you want to illustrate.
Used to estimate annual and monthly retirement income.
Retirement Account / Strategy
Used to estimate Roth IRA contribution eligibility.
Roth IRA Eligibility
Retirement Results
Required Monthly Contribution
$0
Estimated monthly contribution needed to reach the goal.
Required Annual Contribution
$0
Estimated annual contribution needed to reach the goal.
Projected Retirement Value
$0
Based on the assumptions entered.
Years Until Retirement
0
Total Contributions
$0
Estimated Growth
$0
Estimated Annual Retirement Income
$0
Estimated Monthly Retirement Income
$0
Estimated Goal Gap
$0
Current Retirement Savings
$0
Contribution Used
$0
Annual Return Assumption
0%
Retirement Income Rate
0%
Estimated 2026 Direct Roth IRA Limit
$0
2026 Roth IRA Basic Rules
  • 2026 IRA contribution limit: $7,500.
  • Age 50 or older: generally up to $8,600.
  • Roth and Traditional IRA contributions share the same annual IRA limit.
  • Contributions generally cannot exceed eligible taxable compensation.
  • Roth IRA contribution eligibility may be reduced based on MAGI.
  • Single / Head of Household phase-out: $153,000–$168,000.
  • Married Filing Jointly phase-out: $242,000–$252,000.
  • Married Filing Separately while living with spouse: generally $0–$10,000 phase-out.
  • There is no general IRS minimum annual Roth IRA contribution, although financial institutions may have account minimums.
Important: This calculator is for educational and hypothetical illustration purposes only. It is not financial, investment, tax, or legal advice. Results depend entirely on the assumptions entered and are not guarantees of future performance. The annual return assumption does not represent a guaranteed rate. Estimated retirement income is calculated by multiplying the projected retirement value by the income percentage entered by the user. This estimated income should not be interpreted as guaranteed lifetime income unless supported by the terms of a specific insurance contract and carrier illustration. Roth IRA eligibility and contribution limits are subject to IRS rules, taxable compensation, filing status, MAGI, and individual circumstances. Consult current IRS guidance and appropriate licensed or tax professionals before making financial decisions.