About this project
Make a long timeline easier to see.
Roth Growth is a free educational calculator built to make compound growth, contribution totals, inflation, and the value of time easier to understand.
Why it exists
Retirement numbers are difficult to interpret because the most important effects can unfold over decades. The site turns a small, recurring contribution into a visible timeline and separates the dollars deposited from the growth produced by an assumption.
What makes the result transparent
The formulas, timing assumptions, waiting comparison, and known limitations are published on the Methodology page. The same model is applied to every visitor and does not change based on an ad, brokerage, fund, or financial product.
Editorial independence
Roth Growth does not rank investments, recommend a brokerage, or receive an affiliate commission when someone opens or funds an account. Advertising, when present, is separate from the calculator and does not affect the inputs, formulas, or output.
Current-law references
Time-sensitive contribution and income-limit figures are checked against official IRS material and labeled with their tax year. Tax rules can change, so the site links to the primary source and encourages visitors to verify the year relevant to them.
AI-assisted construction
This is a small, AI-assisted web project. The calculator logic, examples, published explanations, source references, and interface are reviewed as part of the build process. AI assistance does not turn the output into personalized financial or tax advice.
Privacy by design
The calculator runs in the browser and does not require an account. The values entered are not submitted to a Roth Growth application database. See the Privacy page for hosting and advertising disclosures.