Roth IRA Calculator
Project your tax-free retirement savings with compound growth and annual contributions.
Note: Annual Roth IRA contribution limits apply but are not enforced in this calculator. For 2026, the standard limit is $7,000 ($8,000 if age 50+).
Roth IRA Projection
What is a Roth IRA Calculator?
A Roth IRA calculator projects the future value of your retirement account by compounding your current balance and annual contributions at an estimated rate of return.
Unlike traditional retirement accounts, Roth IRA contributions are made with after-tax dollars, and qualified withdrawals in retirement are completely tax-free. This calculator shows how much tax-free growth you can accumulate over time.
How to Use
- Enter your current age and expected retirement age.
- Input your current Roth IRA balance and planned annual contribution.
- Provide an estimated annual rate of return.
- Click Calculate to see your projected balance, total contributions, earnings, and tax-free growth.
Frequently Asked Questions
What are the Roth IRA contribution limits?
For 2026, the standard contribution limit is $7,000 per year, or $8,000 if you are age 50 or older. Income limits may also apply.
Are Roth IRA withdrawals really tax-free?
Qualified withdrawals after age 59½ and after the account has been open for five years are generally tax-free.
What rate of return should I use?
Historical stock market averages are around 7% to 10% annually before inflation. A conservative estimate of 6% to 7% is commonly used for planning.
Can I withdraw contributions early?
Yes, you can withdraw your original Roth IRA contributions at any time without taxes or penalties. Earnings may be subject to taxes and penalties if withdrawn early.