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Roth IRA Calculator
Estimate future Roth IRA balance, tax-free retirement growth, inflation-adjusted value, or the annual contribution needed to hit a target retirement balance.
Roth IRA Calculator
Use this free Roth IRA calculator to estimate tax-free retirement growth, future Roth IRA balance, inflation-adjusted value, and a simple monthly retirement-income range based on your contribution plan. You can also switch modes to estimate the annual contribution needed to reach a target balance. It works well alongside the Compound Interest Calculator, the Future Value Calculator, and the wider Financial Calculators category.
Live preview: about $1,406,915.34 by retirement based on the current contribution plan.
This calculator is a planning model. It does not verify income eligibility, contribution limits, five-year rules, or distribution rules for Roth IRAs. Use it to compare growth scenarios, then confirm tax-year limits separately.
Result
Roth viewYou can build about $1,406,915.34 in your Roth IRA by retirement.
Projected balance$1,406,915.34
Inflation-adjusted balance$592,833.42
Total new contributions$349,961.35
Total growth$1,038,953.99
Tax-free monthly income$4,689.72
Taxable equivalent balance$1,803,737.62
Years to grow
35 years
Annual contribution
$7,000.00
Expected return
7.0%
Withdrawal rule
4.0%
Roth IRA breakdown
$1,406,915.34
Current balance
$18,000.00 • 1%
New contributions
$349,961.35 • 25%
Growth
$1,038,953.99 • 74%
Growth graph
Projected balanceCumulative contributions
Roth IRA balances
Year-by-year view of account balance, annual contributions, annual growth, and cumulative basis as you approach retirement age.
| Age | Starting balance | Contribution | Growth | Ending balance |
|---|---|---|---|---|
| 30 | $18,000.00 | $7,000.00 | $1,260.00 | $26,260.00 |
| 31 | $26,260.00 | $7,140.00 | $1,838.20 | $35,238.20 |
| 32 | $35,238.20 | $7,282.80 | $2,466.67 | $44,987.67 |
| 33 | $44,987.67 | $7,428.46 | $3,149.14 | $55,565.27 |
| 34 | $55,565.27 | $7,577.03 | $3,889.57 | $67,031.86 |
| 35 | $67,031.86 | $7,728.57 | $4,692.23 | $79,452.66 |
| 36 | $79,452.66 | $7,883.14 | $5,561.69 | $92,897.48 |
| 37 | $92,897.48 | $8,040.80 | $6,502.82 | $107,441.10 |
| 38 | $107,441.10 | $8,201.62 | $7,520.88 | $123,163.60 |
| 39 | $123,163.60 | $8,365.65 | $8,621.45 | $140,150.70 |
What is a Roth IRA calculator?
A Roth IRA calculator is a retirement-planning tool that estimates how tax-free retirement money could compound over time inside a Roth IRA. Unlike a traditional IRA estimate that often focuses on the tax deduction up front, a Roth IRA projection is mainly about how much after-tax money might be available later without future tax on qualified withdrawals.
That makes this tool useful for comparing contribution strategies, setting a retirement-balance target, and checking whether your planned annual contribution is likely to support your long-term retirement-income goal. For broader investing context, compare the result with the Compound Interest Calculator, the Future Value Calculator, and the Present Value Calculator.
How this calculator works
In future-balance mode, the calculator starts with your current Roth IRA balance, applies the expected annual return each year, then adds the annual contribution for that year. If you enter a contribution-increase percentage, each later year's contribution rises from the prior year so you can model gradually increasing savings.
In required-contribution mode, the tool works backward from a target retirement balance and solves for the annual contribution needed to get there. It also estimates an inflation-adjusted balance, a rough tax-free monthly retirement-income amount using your chosen withdrawal rule, and a taxable-equivalent comparison based on your assumed retirement tax rate. If you want to compare the ending balance against drawdown planning, continue into the Annuity Payout Calculator or browse more Financial Calculators.
Worked example
The default example uses a long-term Roth IRA growth path from age 30 to 65 with ongoing annual contributions and a modest contribution increase, which makes it useful for QA and for visualizing how contributions and compounding combine over time.
Example inputs
Current age30
Retirement age65
Current balance$18,000.00
Annual contribution$7,000.00
Example result
In this example, starting with $18,000.00 at age 30 and contributing $7,000.00 annually until age 65 produces a projected Roth IRA balance of $1,406,915.34. Using a 4.0% withdrawal rule, that supports about $4,689.72 per month in tax-free retirement income.
Frequently asked questions
A Roth IRA calculator estimates how much your Roth IRA could grow by retirement based on your current balance, annual contributions, expected return, and time horizon. It can also estimate the annual contribution needed to reach a target retirement balance.
Related financial tools
Continue from Roth IRA planning into broader growth, target-value, and retirement-income comparisons with these related tools.
💰Compound Interest Calculator🔮Future Value Calculator💵Present Value Calculator💳Annuity Payout Calculator
If you are comparing Roth IRA savings with other retirement-income strategies, it can also help to review the Compound Interest Calculator, the Future Value Calculator, and the Annuity Payout Calculator before choosing a long-term withdrawal strategy.
Explore This Tool in Context
Roth IRA Calculator is part of the Financial Calculators collection. If you want a broader view of similar workflows, open the Financial Calculators category page or browse all QuickTools categories.
Common next steps after this tool include Estate Tax Calculator, Social Security Calculator and Annuity Payout Calculator.
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