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Roth IRA Calculator

Project the tax-free balance of your Roth IRA at retirement from your current balance, monthly contributions and expected return.

How to use this tool

1Paste or type your input above.
2The result updates instantly.
3Copy the output with one click.

Frequently asked questions

Why is a Roth IRA tax-free at withdrawal?+

You contribute after-tax dollars, so qualified withdrawals after age 59½ — including all the investment growth — are completely tax-free. This calculator shows the projected balance; contribution limits apply ($7,000/yr in 2025, $8,000 if 50+).

Guides & deep dives

Roth IRA Explained: Tax-Free Growth, Contribution Limits and Compounding

A plain-English guide to the Roth IRA: how tax-free growth works, 2025 contribution and income limits, the 5-year rule, and how decades of compounding build wealth.