Roth IRA Growth Calculator
Project your Roth IRA balance with annual contributions and investment returns. See tax-free growth, total contributions, and estimated tax savings vs. a taxable account — with a year-by-year growth chart.
How to use this tool
- Enter annual contribution, expected annual return and years to grow in the fields above.
- Results update instantly as you type — or click Calculate.
- Read your projected roth ira balance and the full breakdown beneath it.
A Roth IRA uses after-tax contributions, so all growth and qualified withdrawals are completely tax-free. That tax-free compounding is extremely valuable over decades of growth.
Frequently asked questions
- What is the 2024-2025 Roth IRA contribution limit?
- The limit is $7,000/year ($8,000 if age 50+). Income limits also apply — consult IRS.gov or a tax advisor for current phase-out thresholds.
- How is this different from a traditional IRA?
- Traditional IRA contributions may be tax-deductible now but withdrawals are taxed. Roth contributions are after-tax but withdrawals are tax-free. Roth usually wins if you expect to be in a higher bracket in retirement.