Roth IRA Calculator
Project the future value of your Roth IRA from a starting balance, annual contribution, expected return, and time horizon. See how much grows tax-free.
- Future value
- 792814.72
- Total contributed
- 220000
- Growth
- 572814.72
How to use
- Enter your current Roth IRA balance.
- Enter your annual contribution, expected annual return, and number of years.
- Read the projected future value, total contributed, and tax-free growth.
Examples
- $10k + $7k/yr at 7% / 30 yr:
future value $792,814.72 - Growth share:
$220,000 contributed → $572,814.72 growth
FAQ
- How does a Roth IRA grow tax-free?
- You contribute after-tax dollars, and qualified withdrawals in retirement — including all investment growth — are completely tax-free. This calculator shows how those contributions compound over time.
- Is there a limit to how much I can contribute?
- Yes. The IRS sets an annual contribution limit (with a higher catch-up amount for those 50 and older) and phases out eligibility at higher incomes. Check the current IRS limits before contributing.
- What return rate should I use?
- It depends on your investments. A diversified stock portfolio has historically averaged around 7% real return, but past performance does not guarantee future results — use a rate you are comfortable projecting.