Roth IRA Calculator

Estimate Roth IRA growth, total contributions, investment gains, and inflation-adjusted retirement value.

How to Use

  1. Enter your current age and target retirement age.
  2. Add your current Roth IRA balance and contribution amount.
  3. Select contribution frequency and expected annual return.
  4. Optionally enable inflation adjustment and annual contribution increases.
  5. Review the projected balance, gains, and Show Work breakdown.
Projection Dashboard

Retirement Growth Snapshot

See how contributions and compound growth may build your Roth IRA over time.

Projected Value
$—
Contributions
$—
Growth
$—
Real Value
$—
Portfolio Mix Contributions vs. Growth
Years to Retirement
—
Estimated Monthly Income Rule*
$—
Annual Contributions
$—
Effective Annual Return
—%
*Illustrative withdrawal estimate only. This tool is educational and does not provide tax, legal, or investment advice.
Inputs & Settings
Enter your assumptions to project Roth IRA growth.
Your age today.
Target age to stop projecting.
Current account value.
Per selected contribution frequency.
How often you contribute.
Nominal annual growth assumption before inflation.
Optional yearly increase to contributions.
Used for real-value adjustment.
Beginning-of-period contributions grow slightly longer.
Optional estimate for annual drawdown planning.
Show Work (step-by-step)
—
Work should show assumptions, compounding frequency, contribution timing, totals, and inflation adjustment when enabled.

Projection Details

The yearly table is optional and can be toggled on in the input panel.

Year-by-year Roth IRA projection table
Year Age Starting Balance Contributions Growth Ending Balance
Enter values above to generate a year-by-year projection.

Calculation Details

Quick answer: This calculator estimates future Roth IRA value using your current balance, recurring contributions, compound growth, and time until retirement.

  • Future value of starting balance: FV = PV × (1 + r/n)^(n×t)
  • Future value of recurring contributions: ordinary annuity or annuity-due model depending on contribution timing
  • Total growth: Projected Value − Total Contributions − Starting Balance
  • Inflation-adjusted value: nominal future value discounted by inflation over time
This tool is for planning and education. Actual Roth IRA results depend on market returns, timing, fees, tax law, eligibility, and contribution limits.

FAQ

What does this Roth IRA calculator estimate?

It estimates projected account value at retirement using your current balance, recurring contributions, growth rate, and time horizon.

Does this include taxes?

No. A Roth IRA is generally funded with after-tax money, and qualified withdrawals can be tax-free, but this tool does not provide tax advice or determine eligibility.

Why show inflation-adjusted value?

Nominal dollars can look larger over time. Inflation adjustment helps estimate what that future value may be worth in today’s purchasing power.

Why does contribution timing matter?

Contributing at the beginning of each period gives each deposit slightly more time to compound than contributing at the end of the period.

Tool Info

Last updated:

Updates may include UI improvements, validation changes, display refinements, and contribution-planning enhancements.