Roth IRA Calculator

Project your Roth IRA balance at retirement, and see its value in today's dollars after inflation. Qualified Roth withdrawals are tax-free.

Your details

Current ageRetirement ageCurrent Roth IRA balance$Monthly contribution$Annual return%Inflation rate%Used to show your balance in today's purchasing power.

Roth IRA at retirement

$1,015,588.82

In today's dollars: $427,939.74
Total contributions: $220,000.00
Tax-free growth: $795,588.82

Contributions vs growth

Contributions: $220,000.0022%
Growth: $795,588.8278%

Roth IRA at retirement$1,015,588.82

Formula

Future value = current balance compounded monthly, plus the future value of your monthly contributions. The real balance divides that by (1 + inflation) raised to the number of years.

Sources & methodology

Assumes a constant return with monthly compounding, plus an inflation adjustment for the real balance; excludes contribution limits and taxes.

•U.S. SEC — retirement saving — SEC

Last updated: 2026-07-20

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