A Roth IRA calculator projects how your current balance and annual contributions could grow over time using an assumed investment return. Compare what you put in with estimated investment growth in seconds.
Adjust any value to update the projection.
Projected balance
$898,762
After 30 years at 7% per year
Starting balance
$25,000
Future contributions
$225,000
Estimated growth
$648,762
Milestone years show how contributions and hypothetical growth build the final estimate.
| Year | Annual contribution | Total contributed | Estimated growth | Ending balance |
|---|---|---|---|---|
| 1 | $7,500 | $32,500 | $1,750 | $34,250 |
| 5 | $7,500 | $62,500 | $15,694 | $78,194 |
| 10 | $7,500 | $100,000 | $52,802 | $152,802 |
| 15 | $7,500 | $137,500 | $119,943 | $257,443 |
| 20 | $7,500 | $175,000 | $229,208 | $404,208 |
| 25 | $7,500 | $212,500 | $397,554 | $610,054 |
| 30 | $7,500 | $250,000 | $648,762 | $898,762 |
Add the amount already invested in the Roth IRA.
Enter the amount you expect to add each year.
Select the investment horizon, expected annual return, and contribution timing.
Compare contributions, estimated growth, future balance, and the year-by-year schedule.
Compounding can make long time horizons powerful, but the result is only a mathematical scenario. Test lower and higher returns, review eligibility with current IRS guidance, and consider professional advice for decisions about taxes or investments.
View current IRS IRA limitsA Roth IRA calculator estimates how a current balance, recurring contributions, time, and an assumed annual return could grow into a future retirement balance.
The 2026 combined contribution limit for traditional and Roth IRAs is $7,500, or $8,600 if you are age 50 or older. Income and compensation rules can reduce the amount you may contribute.
Use a conservative long-term assumption that reflects your investments, fees, and risk. Compare several rates because actual returns vary and are never guaranteed.
Yes. A beginning-of-year contribution receives one additional year of assumed growth compared with the same contribution made at year end.
No. Eligibility depends on compensation, modified adjusted gross income, filing status, and other IRS rules. This calculator only models hypothetical growth.
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