Free Roth IRA Calculator

Estimate how your Roth IRA savings could grow over time. Calculate your projected retirement balance, total contributions, and investment earnings with this free Roth IRA calculator.

Your Roth IRA Details

Current AgeRetirement AgeCurrent Roth IRA Balance ($)Annual Roth IRA Contribution ($)Expected Annual Investment Return (%)

Your Roth IRA Projection

Estimated Roth IRA Balance at Retirement

$872,487

Years Until Retirement

30 years

Future Contributions

$210,000

Total Contributions Including Starting Balance

$235,000

Estimated Investment Growth

$637,487

How a Roth IRA Calculator Works

A Roth IRA is an individual retirement account generally funded with after-tax contributions. Qualified withdrawals, including earnings, can be tax-free.

This calculator estimates the future value of your savings assuming monthly contributions and a constant annual investment return. Contributions are assumed to occur at the end of each month.

Frequently Asked Questions

Are Roth IRA withdrawals tax-free? Qualified distributions are generally tax-free. Earnings withdrawals normally require meeting the five-year rule and an applicable qualifying condition, such as reaching age 59½.

Can everyone contribute to a Roth IRA? No. Contribution eligibility depends on taxable compensation, income limits, and other IRS rules.

Does the calculator enforce IRS limits? No. It estimates investment growth only. Annual contribution limits, catch-up contributions, and income restrictions must be checked separately.

For educational purposes only. Results are hypothetical and do not guarantee future returns. Estimates exclude investment fees, inflation, taxes, and changes in contribution limits. The starting balance is treated as invested principal for the growth breakdown, not as a record of historical contributions.