Retirement
Roth IRA Calculator
Project the tax-free balance a Roth IRA could reach at retirement based on your contributions and expected return.
Enter your current balance, yearly contribution, and time horizon to estimate the tax-free nest egg a Roth IRA could build.
Retirement
Try the calculator
Scenario presets
Quick compare
Example
Contributing $7,000 a year for 30 years at 7% can grow into a sizable balance you can generally withdraw tax-free in retirement.
Results
Tax-free balance at retirement
$833,397
Total contributions
$225,000
Tax-free growth
$608,397
Projection
Trend view
Milestones
Decision cues
Breakdown
Cost mix
Result reading
The visual trend is moving up, with an approximate change of $810,084 across the period shown.
Planning cue
Use the output as a scenario test rather than a promise. Small input changes can materially change the result.
Roth contributions are made with after-tax money, so qualified withdrawals in retirement are generally tax-free. Annual limits are not enforced here.
How it works
What the result is showing you
These sections explain what the calculator measures, which assumptions matter most, and where the number can be misleading.
Why tax-free growth matters
Roth IRA contributions are made with money you have already paid tax on. In exchange, qualified withdrawals in retirement, including all the growth, are generally tax-free. Over decades, that untaxed growth can be worth a great deal.
Roth versus traditional
A traditional account gives you a tax break now and taxes withdrawals later, while a Roth does the opposite. A Roth often wins if you expect to be in a similar or higher tax bracket in retirement, or simply value predictable tax-free income.
Contribution limits and rules
Roth IRAs have annual contribution limits and income eligibility rules that change over time. This calculator does not enforce those limits, so confirm the current year's caps before planning your contributions.
FAQ
Frequently asked questions
Quick answers to the questions people ask most about this calculator.
How much can I contribute to a Roth IRA?
Annual contribution limits are set each year and are higher for savers age 50 and over. Eligibility also phases out at higher incomes. Check the current year's official limits, since this tool does not cap the amount you enter.
When can I withdraw from a Roth IRA tax-free?
Qualified withdrawals are generally tax-free once the account has been open at least five years and you are age 59 and a half or older. Contributions can usually be withdrawn at any time, but earnings have stricter rules.
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