Charleston Roth IRA Growth Calculator

Use our free Roth IRA Growth Calculator to estimate how your investments could grow over time. This tool shows the power of compound interest and how consistent, long-term investing can turn even modest contributions into meaningful retirement savings.

🔧 How to Use the Calculator

This calculator is simple and intuitive. Here’s how to get started:

1. Starting Balance ($)
   Enter the amount you already have saved in your Roth IRA.

2. Annual Contribution ($)
   Enter how much you plan to contribute each year. For 2025, the IRS allows up to $7,000 if you're under 50 and $8,000 if you're 50 or older.

3. Expected Annual Return (%)
   Input your projected annual investment return (e.g., 7% is typical for long-term stock market growth after inflation).

4. Number of Years to Grow
   Enter how many years you plan to let your investments grow — until retirement or your target withdrawal age.

5. Click “Calculate Growth”
   The calculator will display a visual projection of how your Roth IRA could grow over time based on your inputs.

💡 What Is Compound Interest?

Compound interest is when your investments earn interest not just on your original contributions — but also on the interest you've already earned. Over time, this creates a powerful snowball effect that accelerates your portfolio growth.

📊 What the Chart Shows

After you click “Calculate Growth,” the chart will show your projected Roth IRA balance at the end of each year. It accounts for:

• Your starting balance

• Annual contributions

• Compounded growth based on your expected return

This gives you a clear picture of how consistent investing and time can supercharge your retirement savings.

Frequently Asked Questions

What return should I assume for a Roth IRA?
A conservative long-term estimate is 7% annually after inflation, which reflects historical stock market returns.

Can I max out my Roth IRA each year?
As of 2025, the annual limit is $7,000 (or $8,000 if you're age 50+). Make sure your income falls within the eligibility limits for Roth IRA contributions.

What happens if I start investing earlier?
Time is your biggest advantage. The earlier you start, the more your money compounds. Even small amounts invested consistently can grow significantly.

Is this calculator personalized financial advice?
Nope — just a simple, helpful projection. For personalized investment or retirement advice, consider speaking with a licensed financial advisor.

⚠️ Disclaimer

This tool is for informational purposes only and does not provide financial, legal, or tax advice. Always do your own research or consult a financial professional before making investment decisions.

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_{This newsletter & site is intended for informational purposes only and should not be interpreted as investment, legal, or tax advice. The views and opinions expressed are those of the author alone and do not necessarily represent the views of any business, employer, or affiliated entity. Investing carries inherent risks, including the possible loss of principal. Past performance is not indicative of future results. Readers are encouraged to conduct their own research and seek advice from qualified professionals before making any investment, legal, or financial decisions. While the information provided is believed to be accurate, no guarantee is made as to its completeness or reliability. The author and publisher disclaim any liability for decisions made or actions taken based on the content of this newsletter. This publication does not constitute an offer to buy or sell any security. Some of the links included in this newsletter may be affiliate links, meaning the author could earn a commission if you click through and make a purchase or sign up. By subscribing to or continuing to read this newsletter, you acknowledge and agree to these terms and conditions.}