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Roth IRA Calculator.

Project tax-free retirement savings growth in a Roth IRA

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Set your values

Results update as you type.

$
$
Balance at Retirement
$1,088,777
Total Contributions
$250,000
Total Growth
$838,777

Roth IRA withdrawals in retirement are generally tax-free. Estimates assume a constant annual return.

FAQs

How does a Roth IRA grow?

You contribute after-tax dollars, which then grow tax-free. Qualified withdrawals in retirement (age 59½ and after a 5-year holding period) are completely tax-free, including all investment gains.

How much can I contribute to a Roth IRA?

Annual contribution limits are set by the IRS and adjusted periodically; people age 50 and older can make additional catch-up contributions. Eligibility also phases out at higher income levels.

What return rate should I assume?

A common long-term assumption for a diversified stock portfolio is around 6–8% annually before inflation. Actual returns vary year to year, so treat the projection as an estimate.

Is a Roth IRA better than a traditional IRA?

It depends on whether you expect to be in a higher tax bracket in retirement. Roth IRAs are often favored by younger savers who expect their income (and tax rate) to rise over time.

Cite this calculator

Canonical URL: https://mathify.one/en/finance/roth-ira

Cite as: Mathify. (2026). Roth IRA Calculator. https://mathify.one/en/finance/roth-ira

Use Cases

Retirement Planning

See if your current savings and contributions are on track for your retirement goals by projecting your Roth IRA balance at retirement age.

Example: A 30-year-old with $10,000, contributing $6,000 annually at 7% return until age 65.

Contribution Impact Analysis

Compare how increasing your annual contribution or retiring later affects your projected tax-free savings.

Example: Increase annual contribution from $5,000 to $7,000 and see the difference in final balance.

Frequently Asked Questions

How does the Roth IRA calculator project growth?
It uses your current balance, annual contribution, current age, retirement age, and annual return rate to estimate the future value of your Roth IRA, assuming contributions are made annually and returns compound.
What is the benefit of a Roth IRA?
Roth IRA contributions are made with after-tax dollars, so qualified withdrawals in retirement are tax-free. This calculator shows the potential tax-free growth of your savings.
Can I change the return rate?
Yes, you can adjust the annual return rate to see how different market conditions might affect your projected balance. Remember, this is an estimate and not a guarantee.

Tips & Common Mistakes

Tips

  • Use a conservative return rate (e.g., 5-6%) to account for market volatility.
  • Start early to maximize the power of compounding over time.
  • Consider increasing contributions as your income grows to boost your retirement savings.
  • Review your plan annually and adjust your contribution or retirement age as needed.

Common Mistakes to Avoid

  • Ignoring inflation: The projected amount is in today's dollars; future purchasing power will be less.
  • Assuming a constant return rate: Real returns fluctuate; use a range of rates for a more realistic outlook.
  • Forgetting to update your current balance and contributions as they change.

Last updated: August 13, 2026