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A little today. A lot of possibility.

Roth IRA Calculator:
meet your future balance.

A free Roth IRA calculator for retirement savers to estimate investment growth. No signup required.

YOUR FUTURE↗STARTS HERE

Calculator inputs

Adjust the assumptions

Contribution schedule
Monthly contributions compound monthly; annual contributions are added at year end.
Changing current age updates the retirement-age range and investment horizon.
The calculator derives investment years from current age to retirement age and caps projections at age 100.
This monthly amount annualizes to $3,600. 2026 IRA limit: $7,500 (under 50). Roth eligibility can also depend on income.Source: IRS IR-2025-111.
Default is a planning assumption, not a forecast. Try 0% to 15% to see how sensitive compounding is.
Optional starting balance already in a Roth IRA.

Assumes contributions are made after tax. Results do not include fees, verify taxable compensation, determine whether a future withdrawal is qualified, or predict changes in law.

Your money, at work

Small steps.
A bigger future.

  • Starting balance $0
  • New deposits $126,000
  • Investment growth $414,316
Estimated Roth value at age 65 (nominal dollars)$540,316
Total contributions (nominal dollars)$126,000
Estimated earnings (nominal dollars)$414,316
Explore the full projection →

Six questions. Six useful tools.

What would you like to figure out?

01

Grow your savings

Project your balance, separate contributions from growth, and see today’s purchasing power.

Open calculator →02

Work backward from a goal

Find the monthly contribution needed for a target retirement balance.

Open calculator →03

Find your retirement age

Estimate when your combined savings could support your spending goal.

Open calculator →04

Check your contribution limit

Check direct contribution eligibility using your income, age, and filing status.

Open calculator →05

Compare IRA tax treatment

Compare after-tax balances and optionally reinvest traditional IRA tax savings.

Open calculator →06

See the impact of taxes

Compare Roth growth with dividend taxes and capital gains in a taxable account.

Open calculator →

How does this Roth IRA calculator work?

It compounds your starting balance and adds fixed contributions at the end of each period to estimate a future balance.

Monthly mode divides the entered annual return by 12 and compounds monthly. Annual mode compounds once a year. Contributions and the assumed return stay fixed throughout the projection.

Use the full calculator for inflation-adjusted values, yearly details, scenario comparisons, and exports.

Read the formulas and assumptions →

Which IRA rules does this calculator use?

The growth calculator uses 2026 age-based IRA contribution limits: $7,500 below age 50 and $8,600 at age 50 or older by year-end.

The higher amount includes a $1,100 catch-up contribution. Source: IRS 2026 limits announcement.

Your actual allowance may be lower because of income, taxable compensation, or contributions to other IRAs. The limit is shared across traditional and Roth IRAs; it is not a separate allowance for each account. See IRS Publication 590-A.

Check your income-based eligibility →

Rules checked and page updated: . Applies to tax year 2026, not future-year limits.

What can this estimate tell me—and what can’t it?

It shows how your assumptions affect potential savings. It does not predict investment returns, confirm your full tax eligibility, or guarantee tax-free withdrawals.

Fees, market volatility, future contribution-limit increases, and individual withdrawal taxes are not simulated. Qualified Roth distributions depend on IRS requirements, including the relevant five-tax-year period and a qualifying condition. See IRS Publication 590-B.

Explore different growth assumptions →