$ Roth IRA Calculator

Roth IRA growth calculator

Calculate how your Roth IRA could grow.

See how steady contributions and compounding could shape future retirement savings under different age, balance, time horizon, and return assumptions.

Open full calculator Read Roth IRA basics

Interactive estimate

Start with realistic assumptions, then stress-test the outcome.

The calculator runs entirely in the browser. No account, payment, or personal identifying data is required.

Calculator inputs

Adjust the assumptions

Changing age also adjusts the maximum investment years.
2026 IRA limit: $7,500 for this age. Roth eligibility can also depend on income.
Try a long-term assumption between 0% and 15% to stress-test the projection.
Optional starting balance already in a Roth IRA.
Capped at 60 years so the projection does not extend past age 100.

Assumes contributions are made at the end of each year. Roth IRA contribution eligibility and limits can vary by tax year and income.

Estimated value at age 60$737,348
Total contributions$210,000
Estimated earnings$517,348

Annual balance projection

7% assumed return over 30 years.

Bar chart with 30 yearly balances, from $17,700 in year 1 to $737,348 in year 30.

Full annual projection

  1. Year 1, age 31: $17,700 balance, $7,000 contributed, $700 estimated earnings.
  2. Year 2, age 32: $25,939 balance, $14,000 contributed, $1,939 estimated earnings.
  3. Year 3, age 33: $34,755 balance, $21,000 contributed, $3,755 estimated earnings.
  4. Year 4, age 34: $44,188 balance, $28,000 contributed, $6,188 estimated earnings.
  5. Year 5, age 35: $54,281 balance, $35,000 contributed, $9,281 estimated earnings.
  6. Year 6, age 36: $65,080 balance, $42,000 contributed, $13,080 estimated earnings.
  7. Year 7, age 37: $76,636 balance, $49,000 contributed, $17,636 estimated earnings.
  8. Year 8, age 38: $89,000 balance, $56,000 contributed, $23,000 estimated earnings.
  9. Year 9, age 39: $102,231 balance, $63,000 contributed, $29,231 estimated earnings.
  10. Year 10, age 40: $116,387 balance, $70,000 contributed, $36,387 estimated earnings.
  11. Year 11, age 41: $131,534 balance, $77,000 contributed, $44,534 estimated earnings.
  12. Year 12, age 42: $147,741 balance, $84,000 contributed, $53,741 estimated earnings.
  13. Year 13, age 43: $165,083 balance, $91,000 contributed, $64,083 estimated earnings.
  14. Year 14, age 44: $183,639 balance, $98,000 contributed, $75,639 estimated earnings.
  15. Year 15, age 45: $203,493 balance, $105,000 contributed, $88,493 estimated earnings.
  16. Year 16, age 46: $224,738 balance, $112,000 contributed, $102,738 estimated earnings.
  17. Year 17, age 47: $247,470 balance, $119,000 contributed, $118,470 estimated earnings.
  18. Year 18, age 48: $271,793 balance, $126,000 contributed, $135,793 estimated earnings.
  19. Year 19, age 49: $297,818 balance, $133,000 contributed, $154,818 estimated earnings.
  20. Year 20, age 50: $325,665 balance, $140,000 contributed, $175,665 estimated earnings.
  21. Year 21, age 51: $355,462 balance, $147,000 contributed, $198,462 estimated earnings.
  22. Year 22, age 52: $387,344 balance, $154,000 contributed, $223,344 estimated earnings.
  23. Year 23, age 53: $421,458 balance, $161,000 contributed, $250,458 estimated earnings.
  24. Year 24, age 54: $457,960 balance, $168,000 contributed, $279,960 estimated earnings.
  25. Year 25, age 55: $497,018 balance, $175,000 contributed, $312,018 estimated earnings.
  26. Year 26, age 56: $538,809 balance, $182,000 contributed, $346,809 estimated earnings.
  27. Year 27, age 57: $583,525 balance, $189,000 contributed, $384,525 estimated earnings.
  28. Year 28, age 58: $631,372 balance, $196,000 contributed, $425,372 estimated earnings.
  29. Year 29, age 59: $682,568 balance, $203,000 contributed, $469,568 estimated earnings.
  30. Year 30, age 60: $737,348 balance, $210,000 contributed, $517,348 estimated earnings.
YearAgeContributedEarningsBalance
131$7,000$700$17,700
535$35,000$9,281$54,281
1040$70,000$36,387$116,387
1545$105,000$88,493$203,493
2050$140,000$175,665$325,665
2555$175,000$312,018$497,018
3060$210,000$517,348$737,348

What the calculator covers

A focused tool for quick retirement math.

Compound growth

Model how a starting balance and annual contributions may compound over a chosen investment period.

Contribution split

See how much of the ending value comes from your contributions versus estimated investment earnings.

SEO-ready examples

Scenario pages explain common contribution and time-horizon combinations for search visitors.