Roth IRA at Age 30: Limits, Growth & Strategy

Contributing $7,000/year from age 30 to 67 (37 years)

At 7% avg return

$1122k

At 10% avg return

$2310k

Total contributions

$259k

Roth IRA Rules at a Glance (2025)

Contribution limit: $7,000/year ($8,000 if age 50+)
Income limit (single): phase out $150,000–$165,000; above $165,000 = no direct contribution
Income limit (married): phase out $236,000–$246,000
Withdrawals in retirement: 100% tax-free (contributions + growth)
No required minimum distributions (unlike traditional 401k/IRA)
Contributions (not earnings) can be withdrawn any time without penalty