See how a Roth IRA can grow over time. Enter what you have now, what you can add each month, and we’ll project the balance at retirement — plus how much of it is growth you never pay tax on again.
Assumes a steady return compounded monthly and contributions at the start of each month. Real markets vary. The IRS limits Roth IRA contributions each year (and income limits apply) — check the current limit before assuming a monthly amount. Educational content only — not individualized financial, tax, or investment advice.
How a Roth IRA grows
You fund a Roth IRA with money you’ve already paid tax on. From there, growth and qualified withdrawals in retirement are tax-free — which is why starting early matters so much: the growth slice above is the part Uncle Sam never touches again. Time in the market does the heavy lifting; the monthly habit just keeps feeding it.