Roth IRA Calculator — Tax-Free Retirement Growth
Estimate Roth IRA balance at retirement with annual contributions and expected investment returns.
Last updated: 2026-06-01
Roth IRA Details
85.00 Thousand
2024 max: $7,000
15.00 Thousand
Your Roth IRA Projection
Fully Eligible!
You can contribute up to $7,000
Projected Balance at Age 65
$1,223,207
$963,207 in TAX-FREE growth!
Annual Contribution
$7,000
Tax-Free Growth
$963,207
Years to Grow
35 years
Tax-Free Withdrawals
Unlike 401(k), qualified Roth withdrawals in retirement are completely tax-free.
No Required Distributions
Roth IRAs have no RMDs during your lifetime, unlike traditional IRAs.
Withdraw Contributions Anytime
You can withdraw your contributions (not earnings) penalty-free at any age.
Tax Diversification
Having both pre-tax (401k) and post-tax (Roth) gives flexibility in retirement.
Building a Complete Retirement Plan?
Calculate your 401(k) projections and Social Security benefits.
Data sources
Rates and thresholds on this page are based on official publications. Verify against the source for your specific circumstances.
- IRS — Roth IRAs — verified 2026-06-01 · Roth IRA rules and limits
Simplified model. Income limits and phase-outs for Roth eligibility are not fully modeled. Consult IRS guidance.
Related guides
- Roth vs Traditional IRA: Which Should You Choose?
Tax timing, income limits, and worked examples comparing Roth and Traditional retirement accounts.
- 401(k) Explained: How Employer Retirement Plans Work
Contribution limits, employer match, Traditional vs Roth 401(k), and withdrawal rules for 2026.