{
  "id": "roth-ira-calculator",
  "version": "7.0.0",
  "name": "Roth IRA Calculator",
  "shortName": "Roth IRA",
  "description": "Project the growth of your Roth IRA and see how much tax-free income you could have in retirement.",
  "category": "Finance",
  "categorySlug": "finance",
  "keywords": [
    "roth",
    "ira"
  ],
  "status": "live",
  "workStatus": "pending",
  "reviewStatus": "pending",
  "migrationStatus": "migrated",
  "migratedDate": "2026-08-18",
  "engine": "legacy-react",
  "creator": null,
  "reviewer": null,
  "quality": {
    "availability": "live",
    "technicalReviewRecord": "/reviews/roth-ira-calculator.json",
    "qualifiedReview": "pending",
    "qualifiedReviewer": null,
    "qualifiedReviewDate": null,
    "formulaVersion": "7.0.0",
    "referenceCoverage": "references-listed",
    "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
    "historicalMetadataDate": "2026-08-18",
    "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
  },
  "urls": {
    "page": "/calculator/roth-ira-calculator/",
    "definition": "/calculator/roth-ira-calculator/definition.json",
    "schema": "/calculator/roth-ira-calculator/schema.json",
    "llms": "/calculator/roth-ira-calculator/llms.txt",
    "legacyDefinition": "/calculator/roth-ira-calculator.json"
  },
  "queryExample": "https://askcalculators.com/calculator/roth-ira-calculator/?currentAge=30&retireAge=65&balance=10000&annualContribution=7500&returnRate=7",
  "queryParameters": {
    "currentAge": {
      "label": "Current Age",
      "type": "number",
      "required": false,
      "default": 30
    },
    "retireAge": {
      "label": "Retirement Age",
      "type": "number",
      "required": false,
      "default": 65
    },
    "balance": {
      "label": "Current Balance",
      "type": "number",
      "required": false,
      "default": 10000
    },
    "annualContribution": {
      "label": "Annual Contribution",
      "type": "number",
      "required": false,
      "default": 7500
    },
    "returnRate": {
      "label": "Expected Annual Return",
      "type": "number",
      "required": false,
      "default": 7
    }
  },
  "inputs": [
    {
      "id": "currentAge",
      "label": "Current Age",
      "type": "number",
      "defaultValue": 30
    },
    {
      "id": "retireAge",
      "label": "Retirement Age",
      "type": "number",
      "defaultValue": 65
    },
    {
      "id": "balance",
      "label": "Current Balance",
      "type": "number",
      "defaultValue": 10000
    },
    {
      "id": "annualContribution",
      "label": "Annual Contribution",
      "type": "number",
      "defaultValue": 7500,
      "help": "Default uses the 2026 IRA contribution limit before any age-based catch-up amount or income restriction."
    },
    {
      "id": "returnRate",
      "label": "Expected Annual Return",
      "type": "number",
      "defaultValue": 7
    }
  ],
  "outputs": [
    {
      "id": "result",
      "label": "Result",
      "format": "text",
      "primary": true
    }
  ],
  "formula": {
    "expression": "Each year: balance = balance × (1 + annual return) + annual contribution; growth = ending balance − starting balance − contributions."
  },
  "examples": [
    {
      "label": "Reproducible default-input example (not a personal recommendation)",
      "inputs": {
        "currentAge": 30,
        "retireAge": 65,
        "balance": 10000,
        "annualContribution": 7500,
        "returnRate": 7
      }
    }
  ],
  "sources": [
    {
      "label": "IRS 2026 retirement-plan limits",
      "url": "https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500"
    }
  ]
}