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Roth IRA Calculator

Work out how your Roth IRA grows tax-free with regular contributions and compound interest - locally, no upload.

This calculator gives a non-binding, model-based estimate and is not financial, tax or legal advice. More in the disclaimer
Current age
Retirement age
Current balance
Annual contribution
Expected return (annual)

Result

$1,165,676.70
Final balance
$255,000.00
Contributions
$910,676.70
Interest earned

Capital growth

Capital growth
#Wert
110000
217952
326479
435622
545426
655939
767212
879299
992261
10106159
11121063
12137043
13154179
14172554
15192257
16213384
17236039
18260331
19286379
20314311
21344261
22376377
23410814
24447741
25487337
26529796
27575324
28624143
29676492
30732624
31792815
32857356
33926564
341000774
351080349
361165677

Year by year

Year by year
YearContributionsInterestBalance
1$17,000.00$951.91$17,951.91
2$24,000.00$2,478.66$26,478.66
3$31,000.00$4,621.81$35,621.81
4$38,000.00$7,425.93$45,425.93
5$45,000.00$10,938.78$55,938.78
6$52,000.00$15,211.61$67,211.61
7$59,000.00$20,299.35$79,299.35
8$66,000.00$26,260.91$92,260.91
9$73,000.00$33,159.47$106,159.47
10$80,000.00$41,062.75$121,062.75
11$87,000.00$50,043.40$137,043.40
12$94,000.00$60,179.28$154,179.28
13$101,000.00$71,553.92$172,553.92
14$108,000.00$84,256.87$192,256.87
15$115,000.00$98,384.14$213,384.14
16$122,000.00$114,038.71$236,038.71
17$129,000.00$131,330.97$260,330.97
18$136,000.00$150,379.33$286,379.33
19$143,000.00$171,310.72$314,310.72
20$150,000.00$194,261.27$344,261.27
21$157,000.00$219,376.96$376,376.96
22$164,000.00$246,814.29$410,814.29
23$171,000.00$276,741.09$447,741.09
24$178,000.00$309,337.34$487,337.34
25$185,000.00$344,796.00$529,796.00
26$192,000.00$383,324.01$575,324.01
27$199,000.00$425,143.23$624,143.23
28$206,000.00$470,491.61$676,491.61
29$213,000.00$519,624.25$732,624.25
30$220,000.00$572,814.72$792,814.72
31$227,000.00$630,356.37$857,356.37
32$234,000.00$692,563.74$926,563.74
33$241,000.00$759,774.12$1,000,774.12
34$248,000.00$832,349.17$1,080,349.17
35$255,000.00$910,676.70$1,165,676.70

Matches your result

Is my file uploaded?

No. Everything runs in your browser - your file never leaves your device. How this is verifiable

No upload100% local
Your content stays with youno third-party access
Hosted in GermanyGlobal Content Delivery
Independently auditedTLS A+ · HTTP headers A+

A Roth IRA is a US individual retirement account funded with already-taxed money - in exchange, both the growth and the later retirement withdrawals are tax-free (once the usual holding-period and age rules are met). This calculator projects the growth from regular annual contributions and compound interest.

The calculation runs entirely locally in your browser, in pure JavaScript - nothing is uploaded or stored. The annual contribution is spread evenly across twelve months and grows, together with the starting balance, at the expected return. It shows the final balance, total contributions and the growth.

An honest note: this is a model-based projection, not investment advice or a guarantee. It assumes a constant, smooth return - real markets fluctuate. The IRS contribution limit (2025 confirmed: $7,000, plus a $1,000 catch-up from age 50) and the income limits above which a Roth IRA can no longer be contributed to directly are not enforced as a hard rule here.

Specifications

Specifications
Input formatsForm inputs (no file)
ProcessingLocally in your browser (JavaScript)
File uploadNone

In 3 steps

  1. Enter your age, retirement age and current balance.
  2. Adjust the annual contribution and expected return.
  3. Read off the final balance, contributions and growth.

Limitations: A model-based projection with a constant return, not investment advice. The IRS contribution limit and the income limits for direct contributions are not enforced as a hard rule - check the current values yourself.

FAQ

Does my balance leave my device?

No, the entire calculation runs locally in your browser - nothing is uploaded or stored.

Is the growth really tax-free?

Yes, once the usual five-year and age rules are met - unlike a traditional 401(k), no tax applies to the growth or the retirement withdrawal.

What is the IRS contribution limit?

Confirmed for 2025: $7,000, plus a $1,000 catch-up from age 50. Check the current year's actual limit yourself.

Are there income limits?

Yes, above certain income levels a direct Roth IRA contribution is no longer allowed - this calculator does not check that.

Is the return guaranteed?

No, the calculator assumes a constant average return - real investments fluctuate yearly, including downward.

Related tools

401(k) Calculator · Compound Interest Calculator · Withdrawal Plan Calculator