IRA Calculator
Last updated: October 15, 2026
Project the future value of an IRA using a current balance, annual contributions, expected return, and years to invest.
Projected IRA balance
—
- Total contributions: —
- Estimated growth: —
- Projected annual 4% withdrawal: —
On this page
Quick summary: Project the future value of an IRA using a current balance, annual contributions, expected return, and years to invest.
Read the method, example and limitations
Updated reference sections in this guide are in English.
Guide language: English. Updated October 15, 2026.
What this calculator estimates
The IRA Calculator projects how an Individual Retirement Account may grow from current savings and future contributions under assumed investment returns.
Inputs and units
Enter Current IRA balance ($), Annual contribution ($), Expected annual return (%), Years to invest. Use the units shown. Required fields cannot be blank. Use zero only where that field and the model allow it. Select Calculate after changing the values.
Method and assumptions
The balance compounds once per year and an entered annual contribution is added at each year's end. For annual rate r and whole years n, balance = initial x (1+r)^n + contribution x [(1+r)^n - 1] / r. At r=0, add the contributions directly. The withdrawal illustration is 4% of the final balance per year.
Worked example
Starting with 1,000, contributing 100 at each year end and assuming 10% for two years gives 1,420: 1,200 contributed and 220 growth. At zero return, it gives 1,200.
Limitations
The tool does not enforce IRA eligibility, annual contribution limits, tax deductions, required distributions or withdrawal taxes. The 4% figure is only an illustration, not a promise of sustainable income. Years must be whole and return must exceed -100%.