Roth IRA Calculator
Project your Roth IRA growth — remember, qualified withdrawals are tax-free.
Enter your numbers and select Calculate to see results.
About This Calculator
This calculator projects the growth of a Roth IRA based on your current balance, annual contributions, and expected return. Because Roth contributions are made with after-tax dollars, qualified withdrawals in retirement are generally tax-free — meaning the full projected balance shown here is what you could spend, unlike a traditional account where withdrawals are taxed.
How This Is Calculated
Balance = Current Balance compounded annually, plus after-tax annual contributions
$8,000 starting, $7,000/year, at 7% for 35 years grows to roughly $1.15 million — entirely tax-free if withdrawal rules are met.
Assumptions
- 2026 combined Traditional + Roth IRA limit: $7,500 (IRS Notice 2025-67).
- Assumes qualified withdrawals, meaning the account is at least 5 years old and you're 59½ or older — early or non-qualified withdrawals may be taxed and penalized.
- Does not check Roth IRA income eligibility phase-outs, which vary by filing status.
Frequently Asked Questions
Related Calculators
IRA Calculator
Project your IRA growth, checked against the current annual IRS contribution limit.
Traditional IRA Calculator
Project your Traditional IRA growth, plus an estimate of what remains after tax.
401(k) Calculator
Project your 401(k) growth including employer match, checked against IRS contribution limits.
FIRE Calculator
Calculate your FIRE number and how many years until you reach financial independence.
Last updated January 15, 2026. Results are estimates for informational purposes only — read our disclaimer.