Roth IRA Calculator
Enter the current balance, annual contribution, expected return, and years to find the future balance.
Result
How to use
- Enter your values in the fields above.
- Press Calculate to see your result instantly.
- Use the Share button to copy a link to your result.
About this calculator
A Roth IRA is a US retirement account funded with after-tax contributions, whose investment growth and qualified withdrawals in retirement are entirely tax-free — the opposite of a traditional IRA, where contributions are pre-tax but withdrawals are taxed. This calculator projects the future balance by compounding your current balance plus a stream of annual contributions at an assumed annual return over your chosen number of years until retirement.
Because the account grows tax-free rather than merely tax-deferred, starting contributions early and staying consistent has an outsized effect on the final balance — decades of compounding on money that will never be taxed again. This calculator takes your current balance, annual contribution, expected annual return, and years to retirement and returns the projected future balance.
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