Finance calculator
Roth IRA Calculator
Project a Roth IRA balance from contributions and return assumptions.
Built for U.S. financial rules
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.