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.

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