Retirement
Project a Roth IRA balance from current savings, monthly contributions, time and an assumed annual return.
Projected Roth IRA balance
$519,544.21
Total balance and contributions
$170,000.00
Modeled investment growth
$349,544.21
Contribution period
25 yr
Result comparison
Eligibility, contribution limits and qualified-withdrawal rules are not checked. Verify current IRS rules before acting.
Calculation method
P is the current balance, PMT is the monthly contribution, r is the monthly return and n is the number of months. Contributions are modeled at month-end.
Detailed guide
This Roth IRA calculator projects the future value of an existing balance and equal monthly contributions. It separates the dollars entered from modeled investment growth, making it easier to compare contribution levels, time horizons and return assumptions.
The page intentionally does not fetch annual contribution limits or decide whether you are eligible to contribute. Those rules can change and may depend on income and filing status. Enter a contribution that you have already checked against current official guidance.
P is the current balance, PMT is the monthly contribution, r is the monthly return and n is the number of months. Contributions are modeled at month-end.
When the return is zero, future value is simply the current balance plus all contributions. Taxes are not subtracted because the treatment of contributions and qualified withdrawals is account-specific.
Decision guide
Google leaders combine retirement growth with contribution eligibility, annual limits, and comparison with other account types. Because thresholds can change, the calculator projects the contribution you enter; verify whether that contribution is permitted for the relevant tax year.
A contribution made earlier has more time to compound than the same amount deposited at year-end. Use the calculator’s timing assumption consistently and do not enter more than you expect to contribute. Catch-up provisions and eligibility need current-source verification.
Roth contributions are generally made with after-tax dollars, while qualified withdrawals may receive different treatment from taxable accounts or traditional retirement accounts. A fair comparison considers the tax cost today and the expected tax effect later, not just identical account balances.
The account wrapper does not determine investment performance. Fees, asset allocation, and market returns drive growth. Run a lower-return case and remember that a smooth rate hides year-to-year volatility.
Save a baseline, then change only one input at a time: amount, rate, term, or recurring payment. Record the supporting outputs as well as the headline result—contributions, interest, total cost, remaining balance, or target date. This isolates the assumption that actually changes the decision instead of hiding it inside several simultaneous edits.
Do not tune every assumption until the calculator produces a preferred answer. Start with a cautious case, follow with a central case, and treat the favorable case as an upside scenario. A calculator result is not a lender quote, market forecast, or tax determination; actual dates, rounding, fees, contract rules, and required payments must be checked in primary documents.
Keep enough precision in the inputs and round only the output used for a decision. If the estimate supports a transaction, loan, tax calculation, or long-term plan, repeat it with figures from the contract or official statement. Any difference helps identify the assumption that still needs verification.
Income rules can affect direct Roth IRA eligibility. Check the current rules or a qualified tax professional separately.
The calculator accepts your input and does not enforce a changing annual limit or catch-up amount.
A constant rate smooths market volatility. Compare several rates and remember that actual returns and fees vary.
No. It uses only the contribution you enter, so the calculation remains independent of changing external data.
Qualified-distribution rules are not evaluated here. Verify account age, age requirements and other conditions separately.
You can run both projections with consistent return and time assumptions, but tax treatment and employer matching require separate analysis.
These primary sources explain the rules and concepts referenced by this calculator. The calculation itself uses only the assumptions entered above.
Updated: August 1, 2026
Useful comparisons
Estimate future value with monthly contributions, flexible compounding frequency and contribution timing.
Compare projected savings with a retirement income target based on age, contributions, spending, inflation and returns before and after retirement.
Project 401(k) growth with employee contributions, employer matching, salary growth and investment return.