Roth IRA Calculator
Project your Roth IRA balance at retirement with tax-free growth. See how annual contributions and compound interest build your nest egg — all tax-free at withdrawal.
Inputs
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$
%
Summary
Total at Retirement
$1,165,676.7
Total Contributed$255,000
Total Growth$910,676.7
Monthly Income (4% Rule)$3,885.59
Tax-Free Growth$910,676.7
Roth IRA Growth Over Time
Contributions vs Tax-Free Growth
How to Use This Calculator
- Enter your starting values to generate a projected timeline or schedule. The calculator will build a period-by-period breakdown so you can see how values change over time.
- Current Age — Your current age in years. Accepts values from 18 to 80 (default: 30).
- Retirement Age — The age at which you plan to retire. Accepts values from 30 to 90 (default: 65).
- Current Balance — Current account or loan balance. Accepts values from $0 to $5,000,000 (default: $10,000).
- Annual Contribution — 2024 limit: $7,000 ($8,000 if age 50+). Accepts values from $0 to $10,000 (default: $7,000).
- Expected Annual Return — Expected average annual investment return. Accepts values from 0 % to 20 % (default: 7 %).
- Once all inputs are set, review your results in the Results panel. Here's what each output means:
- Total at Retirement — shown as a dollar amount. This is the primary result of this calculator.
- Total Contributed — shown as a dollar amount.
- Total Growth — shown as a dollar amount.
- Monthly Income (4% Rule) — shown as a dollar amount.
- Tax-Free Growth — All Roth IRA growth is tax-free at withdrawal.
- Scroll down to explore 2 charts (Roth IRA Growth Over Time, Contributions vs Tax-Free Growth) for a visual breakdown of the data.
- Explore the related calculators below if you need deeper analysis or want to approach this topic from a different angle.
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