Roth IRA Calculator
Last updated: October 15, 2026
Estimate tax-free Roth IRA growth from a current balance, annual contributions, expected return, and investment period.
Projected Roth IRA balance
—
- 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.
Read the method, example and limitations
Updated reference sections in this guide are in English.
Guide language: English. Updated October 15, 2026.
What this calculator estimates
The Roth IRA Calculator projects potential retirement-account growth from after-tax contributions under assumptions about future investment returns and contribution timing.
Inputs and units
Enter Current Roth IRA balance ($), Annual contribution ($), Expected annual return (%), Years to invest. Use the units shown. Required fields cannot be blank. Use zero only where that field and the model allow it. Select Calculate after changing the values.
Method and assumptions
The balance compounds annually; contributions are added at each year's end. The future-value model matches the IRA projection, but the displayed withdrawal illustration is 4% of the final balance divided by twelve.
Worked example
A starting balance of 1,000 plus annual contributions of 100 for two years at 0% becomes 1,200. The 4% illustration is 48 per year, or 4 per month.
Limitations
The calculator does not determine Roth eligibility, contribution limits, qualified-distribution status or tax treatment. The same arithmetic can model accounts with different tax rules, so verify those rules separately.