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Finance Calc Kit
Retirement

Roth IRA Calculator

Project your Roth IRA savings growth, tax savings, and future retirement balance.

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Projected balance at age 65

$1,463,334.49

40 years of tax-free compounding at 7.0%

Total contributions

$265,000.00

Total growth

$1,198,334.49

Contributions vs investment growth

  • Contributions$265,000.0018.1%
  • Growth$1,198,334.4981.9%

Annual growth schedule

AgeStartContribGrowthEnd
26$5,000.00$6,500.00$805.00$12,305.00
27$12,305.00$6,500.00$1,316.35$20,121.35
28$20,121.35$6,500.00$1,863.49$28,484.84
29$28,484.84$6,500.00$2,448.94$37,433.78
30$37,433.78$6,500.00$3,075.36$47,009.15
31$47,009.15$6,500.00$3,745.64$57,254.79
32$57,254.79$6,500.00$4,462.84$68,217.62
33$68,217.62$6,500.00$5,230.23$79,947.86
34$79,947.86$6,500.00$6,051.35$92,499.21
35$92,499.21$6,500.00$6,929.94$105,929.15
36$105,929.15$6,500.00$7,870.04$120,299.19
37$120,299.19$6,500.00$8,875.94$135,675.14
38$135,675.14$6,500.00$9,952.26$152,127.40
39$152,127.40$6,500.00$11,103.92$169,731.31
40$169,731.31$6,500.00$12,336.19$188,567.51
41$188,567.51$6,500.00$13,654.73$208,722.23
42$208,722.23$6,500.00$15,065.56$230,287.79
43$230,287.79$6,500.00$16,575.15$253,362.93
44$253,362.93$6,500.00$18,190.41$278,053.34
45$278,053.34$6,500.00$19,918.73$304,472.07
46$304,472.07$6,500.00$21,768.04$332,740.12
47$332,740.12$6,500.00$23,746.81$362,986.92
48$362,986.92$6,500.00$25,864.08$395,351.01
49$395,351.01$6,500.00$28,129.57$429,980.58
50$429,980.58$6,500.00$30,553.64$467,034.22
51$467,034.22$6,500.00$33,147.40$506,681.62
52$506,681.62$6,500.00$35,922.71$549,104.33
53$549,104.33$6,500.00$38,892.30$594,496.63
54$594,496.63$6,500.00$42,069.76$643,066.40
55$643,066.40$6,500.00$45,469.65$695,036.04
56$695,036.04$6,500.00$49,107.52$750,643.57
57$750,643.57$6,500.00$53,000.05$810,143.62
58$810,143.62$6,500.00$57,165.05$873,808.67
59$873,808.67$6,500.00$61,621.61$941,930.28
60$941,930.28$6,500.00$66,390.12$1,014,820.40
61$1,014,820.40$6,500.00$71,492.43$1,092,812.82
62$1,092,812.82$6,500.00$76,951.90$1,176,264.72
63$1,176,264.72$6,500.00$82,793.53$1,265,558.25
64$1,265,558.25$6,500.00$89,044.08$1,361,102.33
65$1,361,102.33$6,500.00$95,732.16$1,463,334.49
IRS Roth IRA contribution limits for the 2025 tax year are $7,000 for savers under age 50 and $8,000 for savers age 50 and older (including the $1,000 catch-up contribution). Actual eligibility also depends on earned income and modified adjusted gross income phase-out ranges.
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How the Roth IRA calculator works

A Roth IRA lets you contribute after-tax dollars today and withdraw qualified retirement income tax-free later. This calculator projects how annual contributions and compound investment returns grow your Roth balance from your current age through retirement. All math runs in your browser.

Enter your current age, target retirement age, starting balance, annual contribution, and expected return. The calculator assumes each contribution is made at the beginning of the year, then compounds once per year. To compare Traditional and Roth tax treatment side by side, use the IRA calculator. For broader retirement income needs beyond IRA savings alone, pair this with the retirement planning calculator and the compound interest calculator.

Roth IRA growth formula

With beginning-of-year contributions and annual compounding, the balance at the end of each year is:

Bt=(Bt−1+C)×(1+r)B_t = (B_{t-1} + C) \times (1 + r)

BtB_t is the ending balance, CC is the annual contribution, and rr is the annual rate of return expressed as a decimal. Total growth equals the final balance minus all contributions, including your starting balance.

Worked example

Suppose you are age 25 with a $5,000 Roth IRA balance. You contribute $6,500 each year until age 65 and earn 7% annually. Over 40 years you contribute $265,000 in total and the projected tax-free balance reaches about $1,463,334.

2025 contribution limits

For the 2025 tax year, the IRS allows up to $7,000 in combined IRA contributions for savers under age 50. Savers age 50 and older may add a $1,000 catch-up contribution for a total of $8,000. Roth eligibility also depends on earned income and modified adjusted gross income phase-out ranges.

Frequently asked questions

Are Roth IRA withdrawals tax-free?
Qualified withdrawals of earnings are tax-free if you are at least age 59½ and the account has been open at least five years. Contributions can generally be withdrawn anytime without tax because they were made with after-tax dollars.
Does this calculator enforce IRS contribution limits?
It does not cap your input automatically. The calculator displays 2025 IRS limits for reference, but you can model any contribution amount for planning purposes.
Why are contributions assumed at the beginning of each year?
Beginning-of-year contributions maximize time in the market. If you contribute monthly instead, actual growth may differ slightly from this annual model.
How is total growth calculated?
Total growth equals the projected ending balance minus all contributions, including your starting balance. The chart splits that ending balance between cumulative contributions and investment growth.
Can I share my scenario?
Yes. Changing inputs updates the page URL so you can bookmark or share your assumptions.

Resources and references

The formulas and methods in this calculator were checked against these independent sources.