Roth IRA calculator
Calculator
The calculator needs JavaScript. The tables below give the same numbers for common cases.
How it is worked out
- Balance = B × (1 + r)^y + C × ((1 + r)^y − 1) ÷ r, contributions at the end of each year.
- Qualified withdrawals from a Roth IRA are tax-free under current U.S. rules; contribution limits and income limits change, so check the IRS figures for the year.
| Inputs | Answer |
|---|---|
| Current balance: 10000; Contribution per year: 6000; Expected annual return: 7; Years: 25 | $10,000.00 plus $6,000.00 a year for 25 years at 7% grows to $433,768.55. |
| Current balance: 0; Contribution per year: 3000; Expected annual return: 6; Years: 40 | $0.00 plus $3,000.00 a year for 40 years at 6% grows to $464,285.90. |
| Current balance: 25000; Contribution per year: 7000; Expected annual return: 5; Years: 15 | $25,000.00 plus $7,000.00 a year for 15 years at 5% grows to $203,023.15. |
How to use it
The calculator projects the balance by growing your current balance and a contribution at the end of each year at the expected annual return. Under current U.S. rules, qualified withdrawals from a Roth IRA are tax-free, but contributions are not tax-deductible.
Contribution limits and income limits are set by law and change; check the current figures before relying on any projection. These are estimates from the numbers you type, not financial advice or an offer; real products add fees and change rates.
Frequently asked questions
How is a Roth IRA balance projected?
Balance × (1 + r)^years plus the yearly contributions grown the same way.
Are Roth IRA withdrawals taxed?
Qualified withdrawals are tax-free under current U.S. rules; others may not be.
Does this include the contribution limit?
No, you enter the amount; check the current limit.
Method: standard arithmetic shown step by step; no outside data is used. Checked 2026-11-12.
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General information only. Results are plain arithmetic on the numbers you enter; check anything important (money, health, school work) against your own records or the official source.