Roth IRA Calculator

RETIREMENT PLANNING TOOL

Estimate how your retirement savings could grow over time. Adjust your assumptions to compare contributions, projected investment growth, and the potential future value of your account.

Your savings plan

Enter your details to estimate future growth.

Current age Your age today. Retirement age Must be greater than your current age. Current account balance ($) Enter 0 if you are starting from scratch. Monthly contribution ($) Assumed to be deposited at the end of each month. Expected annual return (%) An assumption, not a guaranteed return. Annual contribution increase (%) Optional yearly increase in monthly deposits. Estimated inflation rate (%) Used to estimate today's purchasing power.

Estimated balance at retirement

Projected value based on the assumptions you entered

Total contributions $0

Estimated investment growth $0

Estimated value in today's dollars $0

Projected account growth

Estimated balance compared with cumulative contributions.

Projected balance Total contributions

This is an illustration, not a prediction or guarantee. Actual returns vary, and fees, taxes, eligibility, contribution limits, and withdrawal rules may affect your situation.

How this Roth IRA calculator works

The calculator estimates how an existing balance and regular monthly deposits may grow using the annual return and contribution increase assumptions you provide. It compounds returns monthly and assumes deposits occur at the end of each month. The inflation-adjusted figure estimates what the projected balance could be worth in today's dollars.

This tool is a general savings projection, not a determination of Roth IRA eligibility or a tax calculation. Roth IRA contributions are subject to IRS rules, including annual limits and income-related eligibility requirements. Review current rules with the IRS Roth IRA guidance.