Roth IRA & 401(k) Retirement Calculator
Estimated Retirement Nest Egg
With a US Roth IRA, you contribute after-tax dollars, and all capital gains, dividends, and withdrawals in retirement (after age 59½) are 100% federally tax-free.
Portfolio Growth Timeline by Decade
| Age | Total Contributed | Interest Earned | Total Nest Egg |
|---|---|---|---|
| 33 years old | $ 43,000 | $ 13,106 | $ 56,106 |
| 38 years old | $ 78,000 | $ 48,790 | $ 126,790 |
| 48 years old | $ 148,000 | $ 235,248 | $ 383,248 |
| 58 years old | $ 218,000 | $ 718,922 | $ 936,922 |
| 65 years old | $ 267,000 | $ 1,406,177 | $ 1,673,177 |
Report a problem
How it works
Input your current age, target retirement age, and current investment balance.
Enter your planned annual contribution (up to the IRS $7,000 limit) and estimated rate of return.
Review your projected portfolio balance, compound interest earnings, and estimated tax savings.
Frequently asked questions
Why is a Roth IRA so popular in the United States?
Contributions to a Roth IRA are made with after-tax money, meaning that all subsequent capital gains, dividends, and retirement withdrawals are 100% tax-free.
What is an average annual stock market return to assume?
Historically, the S&P 500 has averaged roughly 10% nominal annual return, or 7% to 8% after adjusting for historical inflation.
Is this tool free?
Yes. The site is supported by ads, so you never pay or need to create an account.
Does it work on mobile?
Yes. The page adapts to your screen and does not require installing any app.