Roth IRA Calculator
See what your Roth IRA could grow to by retirement — and remember, qualified Roth withdrawals come out completely tax-free.
Roth IRA Calculator
Eligibility check 2026 income limits
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- Your contributions can come out any time, tax- and penalty-free.
- Earnings are tax-free once the account is 5 years old and you're 59½ (or disabled, or using up to $10,000 for a first home).
- No required minimum distributions for the original owner.
- Over the income limit? A "backdoor" Roth (non-deductible traditional IRA, then convert) is legal but watch the pro-rata rule.
Educational estimate, not financial or tax advice. Returns are never guaranteed. Everything is calculated in your browser.
Runs in your browser — nothing you enter is uploaded or stored.
Scratchpad auto-saved
How it works — in four simple steps
No signup and nothing to install — it all runs in your browser.
Enter balance and contribution
Add your current Roth IRA balance and how much you contribute each year.
Set years and return
Enter the years until retirement and an expected annual return.
Calculate
See your projected tax-free balance at retirement.
Review the breakdown
Open the year-by-year table to see contributions and growth build up.
Roth contributions can be withdrawn any time; it's the earnings that need the account to be 5 years old and you to be 59½.
Features
Projects tax-free growth
See what your Roth IRA could be worth at retirement — and every qualified dollar comes out tax-free.
Contributions vs growth
The result splits what you contributed from what the market added, so the tax-free growth is clear.
Year-by-year table
Open a year-by-year view to watch compounding build the balance over time.
Private and instant
All math runs in your browser — your numbers are never uploaded or stored.
About the Roth IRA Calculator
A Roth IRA is an individual retirement account you fund with after-tax dollars. The trade-off is powerful: because you've already paid tax on the contributions, qualified withdrawals in retirement — including all the investment growth — are completely tax-free.
This calculator grows your current balance at your expected annual return and adds your yearly contribution, compounding to a projected balance at retirement. It separates what you put in from what the market added, so you can see the tax-free growth you'd otherwise pay tax on in a regular account.
Returns are assumptions, not guarantees. For 2026 the contribution limit is $7,500 ($8,600 at age 50+), and higher earners face income phase-outs. Everything is calculated in your browser and never uploaded.