Roth IRA Calculator
Calculate your potential Roth IRA growth with tax-free withdrawals. Estimate contributions, investment returns, and retirement savings based on your financial goals.
Step 1: Personal Details
Understanding Roth IRA
Roth IRA contributions are made with after-tax dollars, meaning withdrawals in retirement are tax-free. There are income limits for eligibility and contribution limits each year.
Step 2: Contribution & Investment Details
About Investment Returns
Historical average stock market returns are around 7-10% annually. Conservative portfolios may yield 3-5%, while aggressive ones may target 8-12%. Past performance doesn’t guarantee future results.
Roth IRA Projection Results
Estimated Retirement Balance
Roth IRA vs Traditional IRA Comparison
| Account Type | Tax Treatment | Retirement Balance | Taxable Amount | After-Tax Value |
|---|
Year-by-Year Growth Projection
Roth IRA Formula
Future Value = P × [(1 + r)^n – 1] / r
Where P is annual contribution, r is annual return rate, and n is number of years. Roth IRA grows tax-free, providing significant advantages over taxable accounts.
Need Professional Financial Advice?
Connect with our financial advisors for personalized retirement planning, investment strategies, and tax optimization for your Roth IRA.
Get Financial Advice