Finance calculator
Roth IRA Calculator
Project a Roth IRA balance from contributions and return assumptions.
Last reviewed
September 2026
September 2026
Enter your details
Results update privately in your browser.
How we calculate
A transparent estimate you can inspect.
Formula
Current balance and monthly contributions compounded monthly at the chosen return.
Privacy
Your values are calculated locally and are not sent to a server by this calculator.
Use with care
Results are for informational purposes, not financial, tax, legal, lending, or investment advice.
Understanding your results
Tax-free growth is projected value less contributions under the entered return assumption.
Assumptions and limitations
- Does not determine contribution eligibility or IRS limits.
Common questions
Before you decide
What assumptions does this use?
The inputs and assumptions are shown on this page; real outcomes can differ.
Does this use my financial data?
No. Inputs stay in your browser.