Roth IRA Growth Calculator
This calculator projects how your Roth IRA may grow based on your current balance, yearly contributions, expected return, and years invested. Because qualified Roth withdrawals are tax-free, the ending balance represents money you can keep. Adjust the inputs to see how compounding works in your favor.
How it works
Each year your balance earns the expected return and you add a new contribution. We assume contributions are made and grow for the full year, then compound. The formula applied each year is: new balance = (old balance + contribution) × (1 + return rate).
After all years, we separate your money into two parts: what you put in (starting balance plus all contributions) and the investment growth on top. Because a Roth IRA grows tax-free and qualified withdrawals are not taxed, the full ending balance is yours to spend in retirement.
Tips
Contribute consistently every year — even small amounts compound dramatically over decades. The 2026 contribution limit is $7,000 ($8,000 if you are 50 or older).
Time matters more than timing. Starting just five years earlier can add tens of thousands to your ending balance because early contributions have the longest to compound.
FAQ
Are Roth IRA withdrawals really tax-free?
Qualified withdrawals are tax-free if you are at least 59½ and the account has been open at least five years. You can also withdraw your own contributions (not earnings) anytime without taxes or penalties.
What return rate should I use?
A common long-term assumption for a diversified stock portfolio is about 7% after inflation, or roughly 8-10% before inflation. Use a conservative figure for safer planning; this calculator does not guarantee actual returns.
Does this account for contribution limits or income caps?
No. It simply projects growth based on your inputs. Roth IRAs have annual contribution limits and income eligibility phase-outs set by the IRS, so verify you qualify before contributing.