Continue your plan
Useful next calculations
When to use this calculator
- Before choosing between saving, investing or changing a contribution.
- When you want to compare cautious, base and optimistic return assumptions.
- When you need a projection before making a longer-term decision.
- When you want to see whether starting earlier or contributing more changes the outcome more.
A realistic US planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
| Input | Value |
|---|---|
| Your Current Age | 35 |
| Retirement Age | 35 |
| Current Roth IRA Balance ($) | $1,400 |
| Annual Contribution ($) | $250 per month |
After entering these figures, review tax-free balance, your contributions and tax-free growth together rather than in isolation. Then rerun the tool with one input adjusted.
How to read your results
Tax-Free Balance
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Your Contributions
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Tax-Free Growth
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Traditional IRA Equivalent
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
4% Rule Monthly
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Method & assumptionsAuthoritative sources
This calculator projects your Roth IRA balance at retirement using compound annual growth, capped at the 2026 IRS contribution limits of $7,500 ($8,000 for ages 50 and over). Each year, your contribution is added to the running balance and the full sum grows at your chosen rate. The Traditional IRA equivalent divides your Roth balance by one minus your marginal tax rate, showing the pre-tax account value that delivers the same after-tax spending power — quantifying Roth’s tax-free advantage in concrete dollar terms.
Results are illustrative and assume a constant annual return with contributions made at the start of each year. They do not account for income phase-outs, backdoor conversions, Roth 401(k) rollovers, or required minimum distributions, which do not apply to Roth IRAs under current law. Contribution limits and tax rates are subject to change by Congress. Verify current IRS limits at irs.gov and consult a financial advisor before making contribution or conversion decisions.
Common mistakes
- !Using an assumption that is not supported by a current local quote, bill, statement or official source.
- !Treating a generic estimate as a lender, provider, payroll or tax authority decision.
- !Mixing monthly and annual inputs without converting them consistently.
- !Testing only one scenario instead of checking how a cautious assumption changes the result.
What to do next
- Run a second scenario with a cautious assumption so you can see the downside clearly.
- Compare the result with the related calculators below before making a decision.
- Check current local rules, eligibility and provider terms before applying or committing money.
- Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.
Frequently asked
Use arrow keys to navigate items, Enter or Space to expand/collapse.