How Roth IRA growth works
Contributions go into the account after tax. Investments can then compound over time, and qualified withdrawals in retirement are generally not taxed.
What a calculator can estimate
A calculator can model contribution schedules, current balance, expected return, and retirement age. It cannot guarantee investment performance or determine tax eligibility.
What to check before contributing
Review current IRS contribution limits, income phase-out ranges, earned income requirements, and whether a Roth or traditional account better matches your tax assumptions.