Roth IRA Calculator
Estimate your Roth IRA balance at retirement and your tax-free growth.
Enter your values to see the result.
Results are estimates for planning only. Actual figures depend on your lender or bank, fees, rounding and the exact dates used, so confirm the numbers before you sign anything.
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- 401(k) Calculator — Project your workplace plan.
- Investment Calculator — Model other investments.
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Clear instructions
Find steps, examples and limitations below.
Use online
Open the tool in a supported web browser.
Free to use
No sign-up required. Tool-specific limits may apply.
How to use the Roth IRA Calculator
Estimate your Roth IRA balance at retirement and your tax-free growth.
- 1 Enter your age, retirement age and current balance.
- 2 Enter your yearly contribution and expected return.
- 3 Enter your tax rate to compare with a taxable account.
Example and practical tips
Contributing the maximum from 30 to 65 at 7% builds a large tax-free balance well ahead of the same savings in a taxable account.
Frequently asked questions
What is the 2026 Roth IRA limit?
$7,500, plus a $1,100 catch-up from age 50.
Who can contribute?
Direct contributions are limited above certain incomes; high earners sometimes use a backdoor Roth.
Report an issue
Something broken or not quite right? Tell us and we will look into it.