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Roth IRA Calculator

See how a Roth IRA grows with annual contributions and tax-free withdrawals.

Estimate the after-tax retirement balance of a Roth IRA given current balance, annual contributions, expected return, and years to retirement.

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

$
$
years
%

Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

Same FV-of-annuity math as a traditional account: FV = P · (1 + r)n + C · ((1 + r)n − 1) / r. Because Roth contributions are post-tax, the result is what you actually get to keep.

In depth

Estimate the after-tax retirement balance of a Roth IRA given current balance, annual contributions, expected return, and years to retirement.

Frequently asked questions

Qualified Roth withdrawals are tax-free at the federal level, so the projected balance is what you keep — barring future law changes.