Roth IRA Calculator
Estimate the tax-free growth of your Roth IRA
Use this when you need a fast, accurate result — no sign-up, works entirely in your browser.
Estimated balance (tax-free)—
Total contributed—
Tax-free growth—
How to Use
- Enter your details into the fields above.
- Click the calculate button to get your result instantly.
- Use the clear button to start a new calculation.
Example
- $6,500/yr, 7% return, 30 years, starting age 30 → Future value ≈ $656,975; retirement age 60
- $5k start + $7k/yr, 6%, 25 years → Balance ≈ $428,554 (contributed $180k, growth $248.6k)
Formula
FV = PMT × ((1+r)n − 1) / r × (1 + r). Assumes constant return and annual contributions at year-end. Roth IRA withdrawals in retirement are tax-free if the account is 5 years old and you are over 59½.
About Roth IRA Calculator
Estimate the tax-free growth of your Roth IRA. This free online tool gives you fast, accurate results without registration or downloads.
Everything runs locally in your browser, so your data is never uploaded or stored — privacy first.
Frequently Asked Questions
Is this tool free to use? +
Yes, it is completely free with no registration or download required.
Is my data private? +
Yes. Everything is processed locally in your browser. Nothing is uploaded or stored on our servers.
Does it work on mobile? +
Yes, it works on any device — phone, tablet, or desktop.