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Roth IRA Calculator — Global, Tax‑Free Growth Modeling with Chart, FAQs, and SEO
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Roth IRA calculator (global, tax‑free growth model)

Project your after‑tax contributions, compound growth, inflation, and compare to a taxable account. Clean, accurate, and mobile‑ready.

Calculator

Format outputs in your local currency.
After-tax contributions intended for a Roth-style account.
Nominal, pre-inflation.
Used only for the taxable comparison model.
To estimate inflation-adjusted retirement income.
Future balance (nominal)
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Future balance (real)
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Total contributions
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Total growth
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Taxable account (nominal)
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Advantage vs taxable
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Est. annual income (real)
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Years invested
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3D doughnut chart

Breakdown of contributions vs growth at retirement. Percentages shown on the chart.

Understand Roth-style, tax-free retirement growth

A Roth Individual Retirement Account is funded with after-tax money, grows tax-free, and allows qualified withdrawals in retirement without further taxes. In contrast, taxable accounts can incur taxes on dividends, interest, and realized gains, which can reduce net growth over time.

This calculator models contributions, compounding, inflation, and a comparison to a taxable investing path. The comparison helps illustrate potential benefits of tax-free growth where available, versus paying ongoing taxes in a standard taxable account.

Important: Account names, rules, and tax treatments vary by country. This tool uses a generalized “Roth-style” after-tax assumption for global use. Always check your local regulations before investing.

What you can explore

  • After-tax contributions: Model how steady deposits accumulate over years.
  • Compound returns: Estimate growth using a long-run expected rate.
  • Inflation: Convert to “real” purchasing power for a clearer view.
  • Taxable comparison: See the gap when annual taxes erode compounding.
  • Retirement income: Apply a safe withdrawal rate to estimate spending power.

Key concepts at a glance

  • Tax-free growth: For Roth-style accounts, qualified withdrawals are generally not taxed, so all net gains remain yours.
  • Time in market: Longer horizons amplify compounding, even with modest contributions.
  • Inflation realism: Looking at real (inflation-adjusted) values prevents overestimating future purchasing power.
  • Diversification: Asset mix influences volatility and returns; align with your risk tolerance and horizon.

Assumptions and limitations

The model compounds contributions annually, supports incremental increases to contributions, and applies a user-set tax rate to approximate drag in a taxable account. Real-world taxes, fees, and behavioral changes can cause outcomes to differ. Use this as an educational projection, not advice.

How to use the Roth IRA calculator

  1. Set basics: Choose your currency, current age, and retirement age.
  2. Add money inputs: Enter current balance, annual contribution, and optional annual increase.
  3. Add market assumptions: Enter expected annual return and inflation rate.
  4. Taxable comparison: Provide a tax rate on gains for the side-by-side taxable projection.
  5. Estimate income: Choose a safe withdrawal rate to estimate real retirement income.
  6. Calculate: Click Calculate to see totals and the 3D doughnut chart with percentages.
  7. Reset or iterate: Use Reset to start over, or adjust inputs to test scenarios.

FAQs

HOW TO choose an expected return?

Pick a long-term, diversified assumption (e.g., a broad index). Avoid reacting to short-term noise. You can test a range to see sensitivity.

HOW TO set a safe withdrawal rate?

Many planners start near 3–4% for long retirements, then adjust for risk tolerance, fees, and flexibility. This tool lets you experiment quickly.

HOW TO compare Roth-style vs taxable investing?

Keep contributions and returns the same, then set a realistic tax rate on gains for the taxable side. The gap reflects tax drag over time.

HOW TO factor in inflation properly?

Use both nominal and real results. Real (inflation-adjusted) amounts show what your future balance may buy in today’s terms.

HOW TO adapt this for my country?

Use local after-tax accounts with tax-free or tax-deferred growth where applicable, and adjust the taxable comparison’s tax rate to match your regime.

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