Roth IRA Calculator
Roth IRA Calculator. Free, instant, no signup. Results update as you type.
You are viewing the archived 2025 rules. Switch to the current tax year.
Projected pot at retirement
$1,462,966.65
- Target pot $900,000.00
- Projected pot at 65 $1,462,966.65
- Shortfall or surplus $562,966.65
- Total contributed $348,000.00
- Growth earned $1,114,966.65
- Coast FIRE number today $118,230.41
- Years to reach the target 23.8 years (age 59)
- Annual income at 4.00% $58,518.67
View year-by-year schedule
| Age | Balance | Contributed |
|---|---|---|
| 36.00 | 74,251.47 | 69,600.00 |
| 37.00 | 89,533.19 | 79,200.00 |
| 38.00 | 105,919.62 | 88,800.00 |
| 39.00 | 123,490.62 | 98,400.00 |
| 40.00 | 142,331.84 | 108,000.00 |
| 41.00 | 162,535.09 | 117,600.00 |
| 42.00 | 184,198.83 | 127,200.00 |
| 43.00 | 207,428.64 | 136,800.00 |
| 44.00 | 232,337.75 | 146,400.00 |
| 45.00 | 259,047.53 | 156,000.00 |
| 46.00 | 287,688.16 | 165,600.00 |
| 47.00 | 318,399.23 | 175,200.00 |
| 48.00 | 351,330.41 | 184,800.00 |
| 49.00 | 386,642.18 | 194,400.00 |
| 50.00 | 424,506.64 | 204,000.00 |
| 51.00 | 465,108.33 | 213,600.00 |
| 52.00 | 508,645.12 | 223,200.00 |
| 53.00 | 555,329.18 | 232,800.00 |
| 54.00 | 605,388.04 | 242,400.00 |
| 55.00 | 659,065.66 | 252,000.00 |
| 56.00 | 716,623.64 | 261,600.00 |
| 57.00 | 778,342.49 | 271,200.00 |
| 58.00 | 844,523.00 | 280,800.00 |
| 59.00 | 915,487.70 | 290,400.00 |
| 60.00 | 991,582.45 | 300,000.00 |
| 61.00 | 1,073,178.09 | 309,600.00 |
| 62.00 | 1,160,672.29 | 319,200.00 |
| 63.00 | 1,254,491.45 | 328,800.00 |
| 64.00 | 1,355,092.81 | 338,400.00 |
| 65.00 | 1,462,966.65 | 348,000.00 |
A constant nominal return with monthly contributions. The 4% withdrawal rate comes from historical US market data over 30-year retirements; it is a planning heuristic, not a promise, and it does not adjust for inflation, tax, fees or sequence-of-returns risk.
How to use this calculator
- Enter current age — The calculator loads with a worked example already filled in, so you can see what a realistic set of figures looks like before replacing them with your own.
- Fill in the remaining fields — Every field has a sensible default. Change the ones that apply to you and leave the rest.
- Read the result — The answer updates as you type — there is nothing to submit. The rows beneath the headline show how it breaks down.
- Expand the schedule — Where a year-by-year table is offered, open it. The breakdown over time usually shows something the single headline figure does not.
- Share or print — Use the share button to copy a link with your figures already filled in, or print the result — the print stylesheet strips the navigation and adverts.
What this calculator works out
To use the US Roth IRA Calculator, enter your current age, target retirement age and current savings and investments. The result — projected pot at retirement — updates as you type, with no button to press and nothing to submit. The calculation runs entirely in your browser, so the figures you enter are never sent anywhere.
How this is calculated
The projection compounds your current balance and your monthly contributions forward at a constant return. The target pot uses the 4% safe withdrawal rate — a pot of 25 times your annual spending — which came from a study of historical US market returns over thirty-year retirements. It is a planning heuristic, not a guarantee.
A worked example
Take the values this page loads with:
- Current age: 35
- Target retirement age: 65
- Current savings and investments: $60,000.00
- Monthly contribution: $800.00
- Expected annual return: 7%
On those figures the projected pot at retirement is 1,462,966.65. Broken down:
- Target pot: 900,000.00
- Projected pot at 65: 1,462,966.65
- Shortfall or surplus: 562,966.65
- Total contributed: 348,000.00
- Growth earned: 1,114,966.65
Change any field above and every figure here recalculates — these numbers are produced by the same formula the calculator runs, so they cannot drift apart from it.
What the figures mean
The headline figure answers the immediate question. These are the ones worth paying attention to:
- Projected pot at 65 — the figure worth watching when you change your inputs.
- Shortfall or surplus — the figure worth watching when you change your inputs.
- Years to reach the target — the figure worth watching when you change your inputs.
Where a schedule is shown, expand it: the year-by-year breakdown usually reveals something the single headline number hides.
What this calculator assumes
A constant nominal return with monthly contributions. The 4% withdrawal rate comes from historical US market data over 30-year retirements; it is a planning heuristic, not a promise, and it does not adjust for inflation, tax, fees or sequence-of-returns risk.
Why it runs in your browser
Every calculation on this page is arithmetic, and arithmetic does not need a server. Running it locally means the result is instant, it keeps working if your connection drops, and — the part that matters — your salary, your debts and your medical measurements are never transmitted to us. There is no figure on our side to store, log or lose.
Where this calculator stops
A calculator applies the rules it is given to the figures you enter. It cannot see the rest of your circumstances, and real financial decisions are rarely decided by a single number.
Treat the result as a starting point for a conversation — with a lender, an accountant or an adviser — rather than as an answer. Where an institution will quote you a real figure, that figure is the one that counts: it will include fees, your credit profile and terms this page knows nothing about.
Keeping the figures current
The formula behind this page does not change, but the assumptions you should bring to it do — interest rates, inflation and market returns all move. Revisit the inputs rather than trusting a figure you calculated a year ago.