# Roth IRA Calculator

> Roth IRA calculator: project tax-free retirement savings from your contributions, expected growth rate, and years to retirement. Free, editable rates.

- **Canonical URL:** https://boringtoolskit.com/roth-ira-calculator/
- **Category:** Everyday Calculators
- **Evidence level:** authored-methodology
- **Reviewed:** August 2026
- **Last verified:** 2026-10-12
- **Privacy:** Inputs and results stay in this browser unless the page clearly labels an external request.

## How it works

Balance = prior balance × (1 + annual return) + annual contribution, applied each year; growth = final balance − total contributions.

## Sources

- [Calculation methodology and verification standard](/methodology/)

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*Local planning estimate. Verify current terms, rates, and policies before acting.*