Roth IRA Calculator
Calculate your Roth IRA growth and tax-free retirement savings. See how annual contributions compound over time and compare to Traditional IRA tax treatment.
2024 limit: $7,000
S&P 500 historical average: ~10%
Roth IRA at Retirement
Balance at Age 65
$1,142,160.03
Years to Grow
$35.00
35 years
Growth Multiple
$4.48
4.5x your contributions
Tax-Free Growth Benefit
Your $887,160 in growth is 100% tax-free when withdrawn in retirement.
Investment Growth Over Time
Shows the growth of your investment over time, split between contributions and interest earned
Projected Growth by Age
| Age | Contributions | Growth | Balance |
|---|---|---|---|
| 35 | $45,000 | $12,099 | $57,099 |
| 40 | $80,000 | $43,157 | $123,157 |
| 45 | $115,000 | $100,807 | $215,807 |
| 50 | $150,000 | $195,753 | $345,753 |
| 55 | $185,000 | $343,010 | $528,010 |
| 60 | $220,000 | $563,634 | $783,634 |
| 65 | $255,000 | $887,160 | $1,142,160 |
Roth IRA Tips
- •Tax-free growth: All qualified withdrawals are 100% tax-free
- •Income limits: Single filers earning over $161k (2024) may be limited or ineligible
- •No required distributions: Unlike Traditional IRAs, no RMDs during your lifetime
- •Contribution flexibility: Withdraw contributions (not gains) anytime without penalty
- •Best if you expect higher taxes later: Pay taxes now at a lower rate
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How to Use This Roth IRA Calculator
This free roth ira calculator helps you make informed financial decisions. Simply enter your values above and see your results instantly - no signup required.
Why Use Our Calculator?
- •Instant Results: See calculations update in real-time as you adjust values
- •Visual Charts: Understand your finances with interactive visualizations
- •Mobile Friendly: Works perfectly on any device
- •100% Free: No hidden fees or signup required