Retirement planning
Roth IRA Growth Calculator
Project Roth IRA growth with monthly contributions, and see how much of your retirement value is contributions versus tax-free earnings.
Roth IRA projection
Growth and tax-free value to retirement
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Annual projection
| Year | Age | Starting balance | Contribution | Growth | Ending balance |
|---|---|---|---|---|---|
| 1 | 31 | $25,000 | $7,000 | $1,690 | $33,690 |
| 2 | 32 | $33,690 | $7,140 | $2,216 | $43,046 |
| 3 | 33 | $43,046 | $7,283 | $2,781 | $53,110 |
| 4 | 34 | $53,110 | $7,428 | $3,389 | $63,927 |
| 5 | 35 | $63,927 | $7,577 | $4,042 | $75,546 |
| 6 | 36 | $75,546 | $7,729 | $4,743 | $88,018 |
| 7 | 37 | $88,018 | $7,883 | $5,496 | $101,396 |
| 8 | 38 | $101,396 | $8,041 | $6,303 | $115,740 |
| 9 | 39 | $115,740 | $8,202 | $7,168 | $131,109 |
| 10 | 40 | $131,109 | $8,366 | $8,094 | $147,569 |
| 11 | 41 | $147,569 | $8,533 | $9,086 | $165,188 |
| 12 | 42 | $165,188 | $8,704 | $10,148 | $184,040 |
| 13 | 43 | $184,040 | $8,878 | $11,284 | $204,201 |
| 14 | 44 | $204,201 | $9,055 | $12,498 | $225,755 |
| 15 | 45 | $225,755 | $9,236 | $13,797 | $248,788 |
| 16 | 46 | $248,788 | $9,421 | $15,184 | $273,393 |
| 17 | 47 | $273,393 | $9,609 | $16,665 | $299,667 |
| 18 | 48 | $299,667 | $9,802 | $18,247 | $327,716 |
| 19 | 49 | $327,716 | $9,998 | $19,935 | $357,648 |
| 20 | 50 | $357,648 | $10,198 | $21,736 | $389,582 |
| 21 | 51 | $389,582 | $10,402 | $23,658 | $423,642 |
| 22 | 52 | $423,642 | $10,610 | $25,707 | $459,959 |
| 23 | 53 | $459,959 | $10,822 | $27,892 | $498,673 |
| 24 | 54 | $498,673 | $11,038 | $30,221 | $539,932 |
| 25 | 55 | $539,932 | $11,259 | $32,702 | $583,893 |
| 26 | 56 | $583,893 | $11,484 | $35,346 | $630,723 |
| 27 | 57 | $630,723 | $11,714 | $38,162 | $680,599 |
| 28 | 58 | $680,599 | $11,948 | $41,161 | $733,709 |
| 29 | 59 | $733,709 | $12,187 | $44,354 | $790,250 |
| 30 | 60 | $790,250 | $12,431 | $47,753 | $850,434 |
| 31 | 61 | $850,434 | $12,680 | $51,371 | $914,485 |
| 32 | 62 | $914,485 | $12,933 | $55,221 | $982,639 |
| 33 | 63 | $982,639 | $13,192 | $59,317 | $1,055,148 |
| 34 | 64 | $1,055,148 | $13,456 | $63,675 | $1,132,279 |
| 35 | 65 | $1,132,279 | $13,725 | $68,310 | $1,214,314 |
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About this calculator
Method, formulas, and limits.What this does
Projects a Roth IRA balance from a starting amount and monthly contributions to retirement age, separating growth from contributions and reporting the tax-free value.
Who it is for
People comparing Roth IRA growth scenarios, planning how much to contribute monthly, or checking how a balance compounds to retirement without tax drag.
How it works
The tool grows the balance at a constant effective monthly return, adds the monthly contribution, optionally grows contributions over time, and reports the projected balance at the selected retirement age.
Limitations
This is a deterministic educational estimate. It does not model contribution-limit enforcement, taxes on non-qualified withdrawals, fees, market volatility, or Roth rule changes.
Key calculations
- Monthly projection
- endBalance = startBalance + startBalance × monthlyReturn + monthlyContribution
- Growing contribution
- monthlyContributionInYearN = monthlyContribution × (1 + contributionGrowth)^(N − 1)
- Tax-free value
- taxFreeValue = endingBalance (qualified Roth distributions)
How to use it
- 1.Enter your account and contributionAdd the current Roth IRA balance and the amount you plan to contribute each month.
- 2.Choose growth and contribution assumptionsUse a realistic rate for your asset mix; contributions can also grow annually at the entered rate.
- 3.Set the time horizonThe calculator projects from your current age to your planned retirement age.
- 4.Review the projectionCheck the year-by-year balance, contribution, and growth, plus the tax-free value at retirement.
It projects how a Roth IRA balance grows when you make regular contributions and the money compounds over time. Because qualified Roth distributions are tax-free, the projected balance is also the tax-free value if the rules are followed.
Contributions to a Roth IRA are after-tax, and qualified withdrawals of earnings are tax-free. A traditional IRA may offer a deduction now but taxes the withdrawal. This calculator models the after-tax Roth path.
No. The calculator lets you enter any contribution amount as a planning assumption. Actual annual limits and catch-up eligibility are set by the IRS and can change year to year.
Use a long-term assumption that matches your asset mix. Many planning scenarios use around 5–7% nominal, but the right number depends on your portfolio and time horizon. Test a range.
Qualified Roth distributions — taken after age 59½ from an account held at least five years, or under other qualifying rules — are generally tax-free. This calculator assumes qualified status and current rules.
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