Roth IRA Calculator

Estimate Roth IRA growth from contributions and expected return.

Roth IRA Calculator helps you estimate Roth IRA growth from contributions and expected return. Enter current balance, annual contribution, expected annual return, and years to grow, review the breakdown, and use the guidance below to understand what the number means — and what it does not. What the Roth IRA calculator does Roth IRA Calculator is built for money decisions — loans, savings, payments, and taxes. Estimate Roth IRA growth from contributions and expected return. You enter current balance, annual contribution, expected annual return, and years to grow, then Simple Calculators computes the result instantly. Rates, fees, and tax rules vary by lender and country, so treat results as planning numbers, not a contract. How the math works Enter your Current balance, Annual contribution, Expected annual return and Years to grow. Your yearly contribution is split into 12 equal monthly deposits, and the balance grows at the annual return ÷ 12 each month. The result is before any withdrawals; the calculator does not check IRS contribution limits or income limits, and does not adjust for inflation. The formula: FV = P × (1 + r)^n + D × ((1 + r)^n − 1) ÷ r. P is the current balance, D…