Project your tax-free Roth IRA balance at retirement from your annual contributions and an expected rate of return.
Estimate assuming steady annual contributions and a constant return compounded yearly. Roth IRAs have income eligibility and annual contribution limits, and qualified withdrawals are tax-free — check current IRS rules. General information, not tax or investment advice.
You contribute to a Roth IRA with after-tax money, and qualified withdrawals in retirement — including all the growth — come out tax-free. Over decades, the growth column usually dwarfs contributions, and none of it is taxed on the way out.
Balance = current × (1+r)ʸ + contribution × ((1+r)ʸ − 1) ÷ r
Roth is taxed now, tax-free later; traditional is deducted now, taxed later. Roth tends to win if you expect to be in the same or higher tax bracket in retirement.
Yes — the IRS sets an annual limit (with a catch-up amount at 50+) and phases out eligibility at higher incomes. Check the current year's figures before maxing out.
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It uses standard formulas and recalculates the moment you change a value, so the math is exact for the inputs you enter. Treat the result as a reliable planning estimate; for decisions with legal or tax consequences, confirm the figures with a qualified professional.
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Last reviewed: September 2026. Free to use, no signup — Roth IRA Calculator by ToolWise Digital.
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