Roth IRA Calculator
Project a Roth IRA at retirement. Tax-free growth and tax-free withdrawals — see what your annual contributions become after 20, 30, or 40 years of compounding.
Last reviewed: · Reviewed by the Money Scale editorial team · How we source our data
Power mode. Every input exposed, every assumption sourced, charts and shareables.
$0
$7,500 / year ($625/mo)
7% expected return
0.05% / year
Age 30 today
Retire at 65
Tax-free balance at age 65
$1,112,341
Total contributions
$262,500
Tax-free growth
$849,841
🌱 $1,112,341 tax-free
$7,500 per year for 35 years at 7% return = $1,112,341 tax-free at age 65.
Save this scenario
Email me my Roth IRA Projection scenario
Get a one-page PDF of these numbers — your inputs, your results, and a deep link back to tweak them later. Free, no spam.
The Roth IRA Calculator projects a tax-free retirement account. Contributions go in after-tax and never get taxed again — growth, dividends, and qualified withdrawals after 59½ all come out tax-free. The 2026 IRS limit is $7,500 ($8,600 if 50+), with income phase-outs starting around $150K single / $236K MFJ. For young earners with decades of compounding ahead, the Roth's tax-free growth is often the most valuable retirement account they can have.
Free, private, and no signup
Money Scale is built the opposite way from the big finance sites: the numbers you enter never leave your device, and there's nothing to sign up for.
- Your numbers stay privateEvery calculation runs in your browser. We never receive or store your salary, balances, or inputs.
- Always freeNo paywall, no upsell to a calculator that actually works.
- No login, no emailUse every tool instantly — we never gate results behind a signup.
- Sourced defaultsStarting rates and assumptions cite real data, not made-up numbers.
How this calculator works
- Enter your current Roth IRA balance (use $0 to start fresh).
- Set your annual contribution. The 2026 limit is $7,500 ($8,600 if 50+); income phase-outs apply at higher MAGI.
- Pick an expected annual return (7% real is a reasonable long-run default for a diversified portfolio).
- Adjust the expense ratio. Index funds in major brokerages run 0.03%–0.10%; anything above 0.5% is worth questioning.
- Enter your current age and retirement age. Every dollar in this account compounds tax-free for the rest of your life.
FV_after_tax = P × (1 + r − fees)^t + C × [((1 + r − fees)^t − 1) / (r − fees)] (no tax applied)Standard compound-growth future-value formula, but uniquely: NO tax is applied to the growth or to qualified withdrawals. That's the Roth's superpower. Compare with a taxable brokerage account, which loses 15–24% to long-term capital gains and ordinary dividend tax along the way.
- P
- Current balance
- C
- Annual contribution
- r
- Expected annual return
- fees
- Fund expense ratio
- t
- Years to retirement
Frequently asked questions
Related calculators
See all- 401(k) ProjectionProject a 401(k) with employer match and salary growth.
- Traditional vs Roth IRASide-by-side after-tax comparison; current vs retirement bracket.
- Investment ProjectionProject a portfolio with contributions, fees, and inflation.
- RMDRequired Minimum Distribution using current IRS table.
- Retirement BasicsSee if your savings rate gets you to 65.