Use this free Roth IRA calculator to project future balance, total contributions, and estimated growth from current balance, annual contribution, annual return, and years to grow.
$12,000 plus $583.33/mo for 25 years
This does not check IRS contribution limits, eligibility, deductions, tax treatment, penalties, or required distributions.
Project Roth IRA growth from annual contributions.
Compare contribution amounts and time horizons.
Separate total contributions from estimated growth.
Check a retirement savings scenario before reviewing IRS limits.
Projected Roth IRA balance
Long-term growth estimate
Shorter-horizon projection
Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.
Use it for early planning and side-by-side comparisons, especially for tasks like these: Project Roth IRA growth from annual contributions. Compare contribution amounts and time horizons. Treat the answer as a planning estimate, not a final quote.
In plain language: The calculator converts annual contribution to a monthly deposit, compounds the current balance monthly, and adds each monthly contribution through the projection period. If the result seems too high or too low, first check whether each field expects a monthly amount, annual amount, dollar value, or percent.
This does not verify Roth IRA eligibility, income phaseouts, IRS limits, withdrawal rules, penalties, taxes, fees, or investment risk. Real finance decisions can also depend on fees, timing, local rules, credit details, and provider-specific terms.
No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.