RothRunway – Roth IRA Tracker Google Sheets

The Roth IRA is the best retirement account most people underuse. Tax-free growth, tax-free withdrawals, no required minimum distributions — and a $7,000 annual contribution limit that, if you hit it every year for 30 years at 7% average return, produces over $660,000 in tax-free wealth. The difference between maxing it out and contributing $2,000/year is roughly $460,000 over 30 years.

Most people don't max it out because they don't have a system that makes it visible. RothRunway is that system.

How It Works

Log each contribution as you make it — date and amount. RothRunway tracks your year-to-date contributions against the IRS annual limit, shows how much contribution room you have remaining, and alerts you if you're behind pace to max out by December 31. The growth projector shows your projected account value at retirement under multiple return rate scenarios. The income phase-out alert flags if your MAGI is approaching the Roth IRA income limit so you can plan accordingly.

1. Enter your contributions as you make them — date and amount
2. Review your YTD total and remaining contribution room
3. Check the pace alert — are you on track to max out by year-end?
4. Review the growth projection at your target retirement age
5. Check the income phase-out alert if your income is near the limit

Who It's For

RothRunway is built for anyone with a Roth IRA who wants to maximize contributions every year and track their tax-free growth over time. It's the right fit if you:

• Have a Roth IRA and want to track contributions against the annual IRS limit
• Want to know if you're on pace to max out before the December 31 deadline
• Want to see your projected tax-free account value at retirement under different return scenarios
• Are near the Roth IRA income phase-out range and want to monitor your eligibility
• Want a one-time tool you own forever rather than a subscription app to track your retirement account

It's a contribution tracker and growth projector, not a full investment portfolio tracker. For tracking all investment accounts and net worth, NorthStar Net Worth is the better fit.

What's Included

• Contribution Tracker — log every contribution with date and amount, running YTD total, and remaining contribution room
• Pace Alert — shows whether you're on track to max out by December 31 and the monthly amount needed if you're behind
• Growth Projector — projected account value at retirement under 5%, 7%, and 10% average annual return scenarios
• Tax-Free Savings Estimate — projected tax savings vs. holding the same investments in a taxable account
• Income Phase-Out Alert — flags when your MAGI is approaching the Roth IRA contribution phase-out range
• Annual Contribution History — year-by-year record of contributions for tax records and long-term tracking

Instant digital download. After purchase, you'll receive a link to copy the Google Sheet directly to your Google Drive. No software to install, works on any device.

Frequently Asked Questions

What is the 2025 contribution limit?
$7,000 under 50, $8,000 for 50+. RothRunway tracks your contributions against whichever limit applies and alerts you when you're approaching it.

What is the income phase-out alert?
Flags when your MAGI is approaching the phase-out range ($150K single, $236K married for 2025) so you can plan ahead — contribute earlier, explore a backdoor Roth, or adjust your amount.

How does the growth projector work?
Enter current balance, annual contribution, and target retirement age. See projected value at 5%, 7%, and 10% return — plus estimated tax savings vs. a taxable account.

Can I log prior-year contributions?
Yes — contributions are tracked by tax year. Log prior-year contributions separately and see your complete history by year.

Is this a subscription?
One-time purchase. Copy it to your Google Drive and own it forever. No fees, no account, no renewal.