Roth IRA Calculator

Future value of a Roth IRA with yearly contributions and tax-free growth. Results update as you type.

Current balance

Annual contribution

Annual return (%)

Years to grow

Future value

$0.00

Cost breakdown

How this calculator works

The annual contribution is spread monthly. The balance grows monthly at the annual return divided by twelve, with the contribution added each month. Because Roth contributions are after tax, qualified withdrawals in retirement are tax-free.

Results are estimates for education only and are not financial advice.

Are Roth IRA withdrawals really tax-free?

Qualified withdrawals in retirement are generally tax-free, because contributions are made with after-tax money. Annual contribution limits apply, so check the current IRS rules for your situation.