Roth IRA calculator: project tax-free retirement savings from your contributions, expected growth rate, and years to retirement. Free, editable rates.
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Every figure above is calculated locally in your browser from the assumptions shown. No inputs are sent anywhere. See the methodology section below for the formulas used.
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BoringToolsKit. “Roth IRA Calculator.” boringtoolskit.com/roth-ira-calculator/ (reviewed August 2026). Free to reference in articles, syllabi, and answer posts with a link.
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A worked example: $5,000 to start, $6,000 a year, 7% for 10 years
Enter a $5,000 current balance, $6,000 annual contribution, 10 years, and a 7% return. The calculator applies one rule every year: balance becomes (balance + contribution) x 1.07. Year 1: (5,000 + 6,000) x 1.07 = $11,770. Year 2: (11,770 + 6,000) x 1.07 = $19,014. Year 3 lands at $26,765, year 5 at $43,933, and year 10 at $98,537.
That final $98,537 splits into $65,000 you put in ($5,000 initial plus $60,000 of contributions) and $33,537 in tax-free growth, which the results panel shows as separate metrics. Notice the sequence: the first year earns only $770, but the tenth earns $6,446 on a $92,091 base, because the contribution is added before the growth multiplier each year. Also note the ordering means year-1 growth applies to money deposited at the start of that year; if your contributions arrive monthly, real results will trail this figure slightly, roughly by half a year of growth on the annual amount, about $2,300 over this example.
Where the projection bends away from reality
The constant-return assumption is the biggest gap. A 7% average is not a 7% every year: a portfolio that gains 20% then loses 15% ends at 1.20 x 0.85 = 1.02, just 2% total. Sequence matters most near the end, so two savers with identical inputs can end tens of thousands of dollars apart depending on which years the bad returns land. Treat the output as a midpoint, not a promise.
Roth-specific limits also cap what you can actually do. For 2025, the IRA contribution limit is $7,000 ($8,000 at age 50 or older), and direct contributions phase out at modified AGI of $150,000 to $165,000 for single filers and $236,000 to $246,000 for married filing jointly. If your marginal rate is 24% today, avoiding $33,537 in future growth tax has clear value, but the tax-free status applies to a Roth IRA you actually hold: withdrawing earnings before age 59 1/2 and before the five-year rule generally costs a 10% penalty plus ordinary income tax on the earnings portion. The calculator shows none of these gates; it assumes you can contribute the full amount every year and leave it untouched.
