Roth IRA Growth Calculator
Project your Roth IRA's tax-free growth over time based on annual contributions, expected return rate, and years until retirement.
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Projected Roth IRA Balance
Roth IRA contributions are made with after-tax dollars, but all growth and withdrawals in retirement are tax-free.
Future Value = Contribution × [((1 + r)^n - 1) / r]
Where:
- Contribution = Annual amount invested
- r = Annual return rate
- n = Number of years
2026 Contribution Limits:
- Under 50: $7,000/year
- 50 and older: $8,000/year (catch-up)
Key advantages:
- Tax-free growth and withdrawals in retirement
- No required minimum distributions (RMDs)
- Contributions (not earnings) can be withdrawn anytime penalty-free
Historical average annual returns:
- S&P 500: ~10% (before inflation)
- Balanced portfolio: ~7-8%
- Conservative portfolio: ~5-6%