Roth IRA Calculator
Last updated: July 2026
Estimate tax-free Roth IRA growth from a current balance, annual contributions, expected return, and investment period.
Projected Roth IRA balance
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- Total after-tax contributions: —
- Estimated investment growth: —
- Projected monthly 4% withdrawal: —
On this page
Quick summary: Estimate tax-free Roth IRA growth from a current balance, annual contributions, expected return, and investment period. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator does
The Roth IRA Calculator projects potential retirement-account growth from after-tax contributions under assumptions about future investment returns and contribution timing.
How to use the calculator step by step
Enter the current balance, planned contributions, expected return, and years until the target date. The calculation can illustrate investment growth but should be considered separately from Roth IRA eligibility rules.
How the calculation works
The balance is projected by compounding current assets and adding future contributions. Because Roth IRA contributions are generally made with after-tax money, qualified withdrawal treatment differs from a traditional pre-tax retirement account.
Worked example and scenario testing
A person making consistent Roth IRA contributions over many years can accumulate substantial compound growth even when each individual annual deposit is modest.
How to interpret your result
The projected balance represents account value before considering whether a particular future withdrawal meets all requirements for qualified tax treatment.
Accuracy, assumptions, and limitations
Income eligibility, annual contribution limits, withdrawal rules, investment performance, fees, tax law, and conversion rules can change or depend on individual circumstances.
Common mistakes to avoid
Do not treat Roth IRA contribution eligibility or tax treatment as guaranteed from a calculator projection. Contribution and withdrawal rules should be checked for the applicable tax year.
Privacy and browser-based calculations
Only general retirement assumptions are needed. Never enter tax identification numbers or brokerage credentials.