Roth IRA Calculator

See what your Roth IRA could grow to by retirement — and remember, qualified Roth withdrawals come out completely tax-free.

Current Roth IRA balance ($)

Annual contribution ($)

Years until retirement

Expected annual return (%)

For 2025 the Roth IRA contribution limit is $7,000 ($8,000 if you're 50 or older), and eligibility phases out at higher incomes. The tool doesn't enforce these — keep your input within the current IRS rules.

This is an educational estimate, not financial advice. Real returns vary and are not guaranteed, and it ignores taxes, fees and inflation unless stated. For decisions about your retirement, consult a licensed financial professional. 🔒 All figures are calculated in your browser — nothing is entered anywhere or stored.

🔒 Nothing you enter is sent anywhere or stored. All processing happens in your browser.

Features

Projects tax-free growth

See what your Roth IRA could be worth at retirement — and every qualified dollar comes out tax-free.

Contributions vs growth

The result splits what you contributed from what the market added, so the tax-free growth is clear.

Year-by-year table

Open a year-by-year view to watch compounding build the balance over time.

Private and instant

All math runs in your browser — your numbers are never uploaded or stored.

How it works — in four simple steps

No signup, nothing to install — it all runs in your browser.

Step 01

Enter balance and contribution

Add your current Roth IRA balance and how much you contribute each year.

Step 02

Set years and return

Enter the years until retirement and an expected annual return.

Step 03

Calculate

See your projected tax-free balance at retirement.

Step 04

Review the breakdown

Open the year-by-year table to see contributions and growth build up.

How it works

A Roth IRA is an individual retirement account you fund with after-tax dollars. The trade-off is powerful: because you've already paid tax on the contributions, qualified withdrawals in retirement — including all the investment growth — are completely tax-free.

This calculator grows your current balance at your expected annual return and adds your yearly contribution, compounding to a projected balance at retirement. It separates what you put in from what the market added, so you can see the tax-free growth you'd otherwise pay tax on in a regular account.

Returns are assumptions, not guarantees. For 2025 the contribution limit is $7,000 ($8,000 at age 50+), and higher earners face income phase-outs. Everything is calculated in your browser and never uploaded.

Examples

$10,000 balance · $7,000/yr · 7% return · 30 years → a large, entirely tax-free retirement balance, most of it growth.

Frequently asked questions

Are Roth IRA withdrawals really tax-free?

Qualified withdrawals are — meaning you're at least 59½ and the account has been open five years. Then contributions and all growth come out tax-free, which is the Roth's big advantage.

What's the 2025 Roth IRA limit?

$7,000, or $8,000 if you're 50 or older. Eligibility also phases out at higher incomes. This tool doesn't enforce those limits, so stay within the current IRS rules.

How is the projection calculated?

Each year your balance grows by the expected return and your contribution is added, compounding to retirement. Returns are assumptions, not guarantees.

Does it account for inflation?

No — the figure is in future dollars. $1 in 30 years buys less than today, so treat the result as a nominal estimate. This is educational, not financial advice.