Roth IRA growth calculator

Estimate the future growth of your Roth IRA based on your contributions and expected returns.

Your numbers

Your current age in years.
Your desired retirement age.
Your current Roth IRA balance.
Amount you plan to contribute annually.
Your expected annual rate of return (for example, 7 for 7%).
Assumptions you can change
Share of the future balance withdrawn each year.

Your Roth IRA projections

Future Roth IRA balance $0
Total contributions (starting balance plus new contributions)$0
Total earnings$0
Estimated annual tax-free withdrawal$0
Years of growth0

Contributions vs. projected balance

Projected balanceTotal contributions

What is a Roth IRA?

A Roth IRA is an individual retirement account that offers tax-free growth and tax-free withdrawals in retirement. Contributions are made with after-tax dollars, meaning you don't get an upfront tax deduction, but qualified withdrawals in retirement are completely tax-free.

Qualified withdrawals generally require that you are at least 59½ and have held a Roth IRA for at least five years. Annual contribution limits apply across all of your IRAs, and the ability to contribute directly to a Roth IRA phases out at higher incomes.

The projection assumes the same return every year, which real markets do not deliver, and it ignores fees, taxes and inflation. Results are in future dollars. To see what a future amount is worth in today's terms, try the Inflation-Adjusted Savings Goal Calculator. The annual withdrawal is a simple share of the final balance, a rule of thumb and not a guarantee. This calculator is for educational purposes and is not financial advice or tax advice.