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Roth IRA calculator

Project tax-free Roth IRA growth from your annual contributions.

Runs 100% in your browser
Tax-free balance
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Total contributed
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Tax-free growth
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How to project a Roth IRA

  1. Enter current balance. Add what’s already in your Roth IRA.
  2. Set annual contribution. Enter how much you add per year, the return and years.
  3. See the tax-free total. Read the projected balance, contributions and growth.

Roth vs traditional

A Roth pairs well with a 401(k): many savers capture the employer match first, then add Roth contributions for tax-free growth. The compound interest calculator shows the engine behind it.

Educational tool only — not financial advice and not tax advice. Does not enforce IRS limits or income phase-outs; returns vary.

Frequently asked questions

How does a Roth IRA calculator work?
It projects your Roth IRA balance from your current balance plus annual contributions, compounding at an assumed return until retirement. Because Roth contributions are made with after-tax money, qualified withdrawals — including all the growth — are generally tax-free.
What’s the Roth advantage?
You pay tax now, not later. If your investments grow a lot, paying tax on the seed rather than the harvest can mean large tax-free withdrawals in retirement.
What return should I use?
A long-run diversified return is often modelled around 6–8% before inflation. Results are sensitive to this — try a range.
Does it enforce IRS limits or income phase-outs?
No. It’s an educational projection and does not apply annual contribution limits or income eligibility rules.
Is anything uploaded?
No — it computes in your browser.

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