Child IRA Calculator

Starting a Roth IRA for your child is one of the most important financial moves that a parent can make. This calculator quantifies the benefit of starting to save for retirement early.

How To Use This Calculator

  • This calculator will calculate the expected future after tax values of your child’s IRA based on the contributions you make while they are a minor.
  • You must enter your expected returns, time horizon, and other assumptions.
  • This calculator is fairly rigid and simplistic; it assumes an identical contribution each year, and only considers contributions made prior to age 19.

Download this tool as a spreadsheet >>

Share This Tool

You are free to use this tool on your website. Simply copy and paste the HTML code below. You must include attribution and links to

<style>@media screen and (max-width: 640px){#og_iframe{height: 500px;width:100%;}}@media screen and (min-width: 641px) and (max-width: 1024px){#og_iframe{height: 500px;width:100%;}}@media screen and (min-width: 1025px){#og_iframe{height: 1000px;width:100%;}}</style><div id='og_iframe' style='-webkit-overflow-scrolling: touch; overflow: auto;'><iframe title="Traditional to Roth Calculator" src='' style='border: none; overflow: hidden; width:100%; height: calc(100% - 31px);' scrolling='yes' allow="camera *;"></iframe></div>
<p><a href="">Child IRA Calculator</a></p> created by <a href=""></a></p>