$ Roth IRA Calculator

Calculator

Roth IRA calculator

Enter your assumptions to estimate how your Roth IRA balance may grow over time. Results update instantly.

Calculator inputs

Adjust the assumptions

Contribution schedule
Monthly contributions compound monthly; annual contributions are added at year end.
Changing current age updates the retirement-age range and investment horizon.
The calculator derives investment years from current age to retirement age and caps projections at age 100.
This annual amount is $7,000. 2026 IRA limit: $7,500 for this age. Roth eligibility can also depend on income.
Default is a planning assumption, not a forecast. Try 0% to 15% to see how sensitive compounding is.
Optional starting balance already in a Roth IRA.
Used only to estimate a traditional IRA after-tax value. Roth withdrawals are modeled as tax-free.

Assumes contributions are made after tax. Results are estimates and do not include fees, inflation, income eligibility, or changing future law.

Estimated Roth value at age 60$737,348
Traditional IRA after-tax estimate$575,131
Total contributions$210,000
Estimated earnings$517,348

Traditional IRA after-tax estimate

This comparison applies a 22% future withdrawal tax to a traditional-IRA-style pre-tax balance. It does not model upfront deductions, invested tax savings, income limits, or a full Roth vs traditional IRA recommendation.

Shared links include your current calculator assumptions in the URL. Avoid sharing values you consider private.

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 Roth balance, $13,806 after withdrawal tax estimate, $7,000 contributed, $700 estimated earnings.
  2. Year 2, age 32: $25,939 Roth balance, $20,232 after withdrawal tax estimate, $14,000 contributed, $1,939 estimated earnings.
  3. Year 3, age 33: $34,755 Roth balance, $27,109 after withdrawal tax estimate, $21,000 contributed, $3,755 estimated earnings.
  4. Year 4, age 34: $44,188 Roth balance, $34,466 after withdrawal tax estimate, $28,000 contributed, $6,188 estimated earnings.
  5. Year 5, age 35: $54,281 Roth balance, $42,339 after withdrawal tax estimate, $35,000 contributed, $9,281 estimated earnings.
  6. Year 6, age 36: $65,080 Roth balance, $50,763 after withdrawal tax estimate, $42,000 contributed, $13,080 estimated earnings.
  7. Year 7, age 37: $76,636 Roth balance, $59,776 after withdrawal tax estimate, $49,000 contributed, $17,636 estimated earnings.
  8. Year 8, age 38: $89,000 Roth balance, $69,420 after withdrawal tax estimate, $56,000 contributed, $23,000 estimated earnings.
  9. Year 9, age 39: $102,231 Roth balance, $79,740 after withdrawal tax estimate, $63,000 contributed, $29,231 estimated earnings.
  10. Year 10, age 40: $116,387 Roth balance, $90,782 after withdrawal tax estimate, $70,000 contributed, $36,387 estimated earnings.
  11. Year 11, age 41: $131,534 Roth balance, $102,596 after withdrawal tax estimate, $77,000 contributed, $44,534 estimated earnings.
  12. Year 12, age 42: $147,741 Roth balance, $115,238 after withdrawal tax estimate, $84,000 contributed, $53,741 estimated earnings.
  13. Year 13, age 43: $165,083 Roth balance, $128,765 after withdrawal tax estimate, $91,000 contributed, $64,083 estimated earnings.
  14. Year 14, age 44: $183,639 Roth balance, $143,238 after withdrawal tax estimate, $98,000 contributed, $75,639 estimated earnings.
  15. Year 15, age 45: $203,493 Roth balance, $158,725 after withdrawal tax estimate, $105,000 contributed, $88,493 estimated earnings.
  16. Year 16, age 46: $224,738 Roth balance, $175,296 after withdrawal tax estimate, $112,000 contributed, $102,738 estimated earnings.
  17. Year 17, age 47: $247,470 Roth balance, $193,026 after withdrawal tax estimate, $119,000 contributed, $118,470 estimated earnings.
  18. Year 18, age 48: $271,793 Roth balance, $211,998 after withdrawal tax estimate, $126,000 contributed, $135,793 estimated earnings.
  19. Year 19, age 49: $297,818 Roth balance, $232,298 after withdrawal tax estimate, $133,000 contributed, $154,818 estimated earnings.
  20. Year 20, age 50: $325,665 Roth balance, $254,019 after withdrawal tax estimate, $140,000 contributed, $175,665 estimated earnings.
  21. Year 21, age 51: $355,462 Roth balance, $277,260 after withdrawal tax estimate, $147,000 contributed, $198,462 estimated earnings.
  22. Year 22, age 52: $387,344 Roth balance, $302,128 after withdrawal tax estimate, $154,000 contributed, $223,344 estimated earnings.
  23. Year 23, age 53: $421,458 Roth balance, $328,737 after withdrawal tax estimate, $161,000 contributed, $250,458 estimated earnings.
  24. Year 24, age 54: $457,960 Roth balance, $357,209 after withdrawal tax estimate, $168,000 contributed, $279,960 estimated earnings.
  25. Year 25, age 55: $497,018 Roth balance, $387,674 after withdrawal tax estimate, $175,000 contributed, $312,018 estimated earnings.
  26. Year 26, age 56: $538,809 Roth balance, $420,271 after withdrawal tax estimate, $182,000 contributed, $346,809 estimated earnings.
  27. Year 27, age 57: $583,525 Roth balance, $455,150 after withdrawal tax estimate, $189,000 contributed, $384,525 estimated earnings.
  28. Year 28, age 58: $631,372 Roth balance, $492,470 after withdrawal tax estimate, $196,000 contributed, $425,372 estimated earnings.
  29. Year 29, age 59: $682,568 Roth balance, $532,403 after withdrawal tax estimate, $203,000 contributed, $469,568 estimated earnings.
  30. Year 30, age 60: $737,348 Roth balance, $575,131 after withdrawal tax estimate, $210,000 contributed, $517,348 estimated earnings.
Lower return$508,2915% return
Base$737,3487% return
Higher return$1,086,8309% return
YearAgeContributedEarningsRoth balanceTraditional IRA after-tax estimate
131$7,000$700$17,700$13,806
535$35,000$9,281$54,281$42,339
1040$70,000$36,387$116,387$90,782
1545$105,000$88,493$203,493$158,725
2050$140,000$175,665$325,665$254,019
2555$175,000$312,018$497,018$387,674
3060$210,000$517,348$737,348$575,131

How this calculator works

Annual mode applies the expected annual return and then adds that year's contribution at year end. Monthly mode converts the annual return into a monthly rate and adds one-twelfth of the annual contribution each month.

The traditional IRA after-tax estimate is illustrative only. This is a planning estimate and does not include fees, inflation, changing contribution limits, income eligibility rules, invested tax deductions, early withdrawal rules, or market volatility.