Roth IRA Calculator

Estimate the future value of a Roth IRA based on age, current balance, contributions, return, and inflation, with inflation-adjusted results.

843.6K uses Updated · 2026-05-14 Runs locally · zero upload
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The Roth IRA Calculator projects how a Roth IRA will grow between today and your retirement age. Contributions are after-tax, but qualified withdrawals are typically tax-free, making projections especially useful for long-horizon planning. The tool also shows an inflation-adjusted value so you can interpret the result in today’s purchasing power.

How to Use Roth IRA Calculator

  1. Enter your current age and planned retirement age.
  2. Provide your current Roth IRA balance and annual contribution amount.
  3. Pick the contribution frequency (annual or monthly).
  4. Set the expected annual return and inflation rate.
  5. Review projected balance, total contributions, growth, and inflation-adjusted value.

Formula & Theory - Roth IRA Calculator

FV = PV × (1+r)^n + C × ((1+r)^n - 1) / r              // annual contributions
FV_monthly = PV × (1+r)^n + (C/12) × ((1+m)^(12n) - 1)/m // monthly contributions, m = (1+r)^(1/12) - 1
Real_FV = FV / (1 + inflation)^n

Use Cases for Roth IRA Calculator

  • Plan long-term Roth IRA savings goals.
  • Compare contribution amounts and timeframes.
  • Understand the trade-off between Roth and Traditional IRA growth.
  • Show clients the impact of inflation on retirement savings.

Frequently asked questions about Roth IRA Calculator

Are contributions to a Roth IRA tax deductible?

No. Roth IRA contributions are made with after-tax dollars; the benefit comes from tax-free qualified withdrawals in retirement.

Does the calculator enforce IRS contribution limits?

No. Enter only contribution amounts you are eligible to make under current IRS rules.

How is the inflation-adjusted value calculated?

Projected nominal balance is divided by (1 + inflation)^years to express the result in today's purchasing power.

Is my data stored?

No. Calculations stay in your browser and no inputs are sent to a server.