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Roth IRA Calculator
Calculate your Roth IRA growth and see how tax-free compounding builds wealth for retirement.
💰Roth IRA Details
25
65
$7,000
2026 limit: $7,000 (under 50) | $8,000 (50+)
$5,000
9%
Roth IRA at Retirement$2.77M
Total Contributed
$301K
Tax-Free Growth
$2.47M
Estimated Tax Savings
$543K
You pay $0 in taxes when you withdraw this in retirement!
Contributions vs Growth
Roth IRA Growth Over Time
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Key Features
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Tax-Free Growth
All growth in a Roth IRA is 100% tax-free when you withdraw in retirement.
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Compound Power
See how even small annual contributions compound into massive wealth.
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Tax Savings
Calculate how much you save by not paying taxes on investment gains.
How to Use
1
Enter Age
Set your current age and target retirement age.
2
Set Contribution
Enter your annual Roth IRA contribution (max $7,000).
3
Add Balance
Include your current Roth IRA balance.
4
View Projection
See tax-free retirement wealth and growth chart.
Formula Used
FV = PV(1+r)^n + C × [((1+r)^n - 1) / r]FV= Future Roth IRA value
PV= Current Roth IRA balance
C= Annual contribution
r= Annual rate of return
n= Years until retirement
Frequently Asked Questions
A Roth IRA is a retirement account where you contribute after-tax money, but all growth and withdrawals in retirement are completely tax-free. It's one of the best wealth-building tools in the US.