Roth IRA Calculator
Tax-free retirement growth projection.
Enter your values
Enter the current balance in $.
Enter the annual contribution in $.
Enter the annual return in %.
Enter the years to retirement you are working with.
Enter the retirement tax rate in %.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- Tax-free balance
- $813,470.61
- Total contributed
- $230,000.00
- Tax-free growth
- $583,470.61
- Tax saved vs taxable account
- $128,363.53
- Annual income at 4%
- $32,538.82
Quick answer
Roth IRA contributions are after-tax, so all growth and qualified withdrawals in retirement are completely tax-free.
At a glance
| What it does | Tax-free retirement growth projection. |
|---|---|
| Category | Finance |
| Inputs needed | Current balance, Annual contribution, Annual return, Years to retirement, Retirement tax rate |
| Main output | Tax-free balance |
| Cost | Free — no sign-up, no download |
How to use the Roth IRA Calculator
- 1Enter your current Roth balance.
- 2Add your yearly contribution (within IRS limits).
- 3Set your expected return and years to retirement.
Inputs explained
- Current balance($)
- Enter the current balance in $.
- Annual contribution($)
- Enter the annual contribution in $.
- Annual return(%)
- Enter the annual return in %.
- Years to retirement
- Enter the years to retirement you are working with.
- Retirement tax rate(%)
- Enter the retirement tax rate in %.
Worked example
Using the values the calculator loads with:
Inputs
- Current balance20000 $
- Annual contribution7000 $
- Annual return7 %
- Years to retirement30
- Retirement tax rate22 %
Results
- Tax-free balance$813,470.61
- Total contributed$230,000.00
- Tax-free growth$583,470.61
- Tax saved vs taxable account$128,363.53
- Annual income at 4%$32,538.82
Frequently asked questions
Roth or traditional?
Roth wins if you expect a higher tax rate in retirement, traditional if lower.
Can I withdraw contributions early?
Yes, contributions (not earnings) can be withdrawn any time tax and penalty free.
What do I need to enter into the Roth IRA Calculator?
Just 5 values: current balance, annual contribution, annual return, years to retirement, retirement tax rate. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the Roth IRA Calculator work out the answer?
Roth IRA contributions are after-tax, so all growth and qualified withdrawals in retirement are completely tax-free. The working is shown step by step so you can verify the result by hand.
Is the Roth IRA Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.