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Roth IRA Calculator

Project the tax-free future value of a Roth IRA with annual contributions.

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$
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Tax-free balance at retirement
$792,814.72
Total contributed
$220,000.00
Tax-free growth
$572,814.72
Projected balance over time
Currency symbol:

Estimates for education only — not investment or tax advice. Roth IRA contributions are post-tax; qualified withdrawals in retirement are tax-free. Annual contribution and income limits apply.

How it works

  1. 1Enter your current Roth IRA balance and annual contribution.
  2. 2Set the years to retirement and an expected return.
  3. 3See the projected tax-free balance and growth.

Use cases

  • Project a Roth IRA to retirement.
  • See the value of tax-free compounding.
  • Compare Roth vs traditional IRA outcomes.

Frequently asked questions

Why is the balance "tax-free"?

Roth IRAs are funded with post-tax dollars, so qualified withdrawals in retirement — including all the growth — are not taxed.

Are there income limits?

Yes. Roth IRA eligibility phases out above certain incomes, and an annual contribution limit applies. This tool uses the contribution you enter.

Is my data stored?

No. Everything runs in your browser.

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