Roth Ira Calculator
Use the Roth Ira Calculator for a transparent, instant calculation with validated inputs and cited sources. For a query such as “Roth Ira Calculator”, enter the matching values and units below and review the stated assumptions.
How to use this calculator
Enter the requested values and units.
Review the assumptions and any warnings shown with the result.
Use the result together with the cited source and your real-world requirements.
Formula
Project the current balance as principal × (1 + annual return)^years and end-of-year contributions as contribution × [(1 + return)^years − 1] ÷ return, using contribution × years when return is zero.
Worked example
Worked example: Inputs: Current balance: 10,000; Annual contribution: 7,000; Estimated annual return: 7 %; Years invested: 20. Outputs: Projected balance: 325,665.290873; Total new contributions: 140,000.
Assumptions and limits
- The result depends on the values, units, and assumptions entered. It does not infer missing context.
Sources
- U.S. Securities and Exchange Commission, Investor.gov: Compound Interest CalculatorReference material reviewed for the stated method, units, or domain. Confirm that its scope matches your use case. Reviewed 2026-08-14.
- Internal Revenue Service: IRA contribution limitsReference material reviewed for the stated method, units, or domain. Confirm that its scope matches your use case. Reviewed 2026-08-14.
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Frequently asked questions
How does the Roth Ira Calculator work?
Project the current balance as principal × (1 + annual return)^years and end-of-year contributions as contribution × [(1 + return)^years − 1] ÷ return, using contribution × years when return is zero.
What should I enter?
Current balance, Annual contribution, Estimated annual return, Years invested
What should I verify?
Review the assumptions and any warnings shown with the result. The result depends on the values, units, and assumptions entered. It does not infer missing context.
Last updated 2026-08-14 · finance-roth-ira-v2 · opportunity-content-2026-08-14 · Trusty Calculator Editorial Team