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Roth IRA Calculator
Project how Roth IRA contributions can grow tax free over time with a free Roth IRA calculator.
Projected balance
$832,991
Total contributions
$224,880
Investment growth
$608,111
What this estimate means
360 months of contributions modeled with monthly compounding.
This is a planning estimate, not a guaranteed return forecast.
How to Use
- Enter your current Roth IRA balance if you already have one.
- Add your average monthly contribution amount.
- Choose an annual return assumption and years until retirement.
- Review the projected tax-free balance and growth potential.
Frequently Asked Questions
Why use a Roth IRA calculator?
A Roth IRA calculator helps you see how tax-free compounding could build over decades from steady contributions.
Are Roth IRA withdrawals always tax free?
Qualified Roth IRA withdrawals are generally tax free, but rules around age and account seasoning still matter.
Should I contribute monthly or annually?
Monthly contributions are easier for cash flow and keep your investing habit consistent throughout the year.
Does this include IRS contribution limits?
No. This is a projection tool, so you should still check current contribution limits and income eligibility separately.
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