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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

Roth IRA是如何增长的？

您用税后资金进行缴款，之后免税增长。退休时的合格提款（59岁半以上且持有满5年后）完全免税，包括所有投资收益。

我最多能向Roth IRA缴纳多少？

年度缴款限额由美国国税局(IRS)设定并定期调整；50岁及以上的人可以额外进行追加缴款。资格也会随着收入水平提高而逐渐取消。

我应该假设什么样的回报率？

对于多元化股票投资组合，一个常见的长期假设是通胀前每年约6-8%。实际回报每年都会有所不同，因此请将预测视为一种估计。

Roth IRA比传统IRA更好吗？

这取决于您预期退休后是否处于更高的税级。年轻的储蓄者通常更青睐Roth IRA，因为他们预期自己的收入（和税率）会随时间上升。

Cite this calculator

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

Cite as: Mathify. (2026). Roth IRA计算器. https://mathify.one/zh/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