Does this enforce IRA contribution limits?

No. Enter a contribution amount that fits your personal eligibility and current rules.

Are contributions made monthly?

This version assumes one end-of-year contribution, making the estimate conservative compared with earlier contributions.

No. Traditional and Roth IRA tax treatment differs and depends on individual circumstances.

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IRA Calculator

Last updated: July 2026

Project the future value of an IRA using a current balance, annual contributions, expected return, and years to invest.

Current IRA balance ($)

Annual contribution ($)

Expected annual return (%)

Years to invest

Projected IRA balance

—

Total contributions: —
Estimated growth: —
Projected annual 4% withdrawal: —

On this page

What this calculator does
How to use it
How the calculation works
Scenario testing
How to interpret the result
Accuracy and limitations
Common mistakes
Privacy
Frequently asked questions

Quick summary: Project the future value of an IRA using a current balance, annual contributions, expected return, and years to invest. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.

Reviewed July 22, 2026 • Estimated reading time: 6 minutes

Read the complete guide

What this calculator does

The IRA Calculator projects how an Individual Retirement Account may grow from current savings and future contributions under assumed investment returns.

How to use the calculator step by step

Enter the current IRA balance, recurring contribution, expected return, and number of years available for growth. If the page supports tax assumptions, review them separately from the investment-growth calculation.

How the calculation works

The projection compounds the existing account balance and future contributions over the selected period. Contributions made earlier generally have more time to participate in compound growth.

Worked example and scenario testing

Regular annual contributions made for several decades can produce a balance substantially larger than the sum of deposits because investment growth accumulates over time.

How to interpret your result

The ending balance is a scenario based on the return entered. It does not indicate how much will necessarily be available after taxes or guarantee future investment performance.

Accuracy, assumptions, and limitations

IRA contribution limits, deductibility rules, income restrictions, investment fees, taxes, early withdrawals, market returns, and future law changes are not always represented.

Common mistakes to avoid

Do not confuse a Traditional IRA with a Roth IRA when considering tax treatment. Also avoid assuming a constant investment return is guaranteed.

Privacy and browser-based calculations

Use only hypothetical balances and contribution values. No tax ID, brokerage account number, or login information is required.