Financial Calculators
Roth IRA Calculator
Project tax-free growth in a Roth IRA.
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Enter details
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Result
Tax-free balance
$737,348.05
Total contributed
$220,000.00
Tax-free growth
$517,348.05
About the Roth IRA Calculator
A Roth IRA grows completely tax-free, and qualified withdrawals in retirement aren't taxed. Enter your current balance, annual contribution, expected return, and years to retirement to project your tax-free balance, total contributions, and growth. It's a powerful way to see the long-run payoff of consistent Roth contributions.
How to use the Roth IRA Calculator
- 1Enter your current balance, annual contribution, return, and years.
- 2Read the result instantly — it recalculates as you type.
- 3Adjust the numbers to model different scenarios.
Frequently asked questions
Why is a Roth IRA tax-free?
You contribute after-tax money, so qualified withdrawals in retirement — including all growth — come out completely tax-free.
Roth or Traditional IRA?
Roth wins if you expect a higher tax rate in retirement; Traditional gives an upfront deduction. Compare with the IRA Calculator.