Roth IRA Calculator
Tax-free retirement growth projection.
Enter your values
Results update instantly as you type — no submit needed.
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
Quick answer
Roth IRA contributions are after-tax, so all growth and qualified withdrawals in retirement are completely tax-free.
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.
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Yes, contributions (not earnings) can be withdrawn any time tax and penalty free.