IRA Calculator
Project IRA balance based on contributions and growth.
Use this calculator to estimate IRA growth with optional yearly increases in contributions. It highlights total contributions and investment growth.
Your information
Contributions are added annually at year-end.
Results
Output based on the inputs above.
Projected IRA balance
$1,077,729
Total contributions
$324,964
Investment growth
$732,765
Years invested
35 years
Estimated IRA balance at retirement: $1,077,729 with $324,964 contributed.
Assumptions
- Returns compound annually.
- Contribution growth applies once per year.
- Taxes depend on IRA type and are not modeled.
Last updated: 2026-02-01
Definitions
- IRA
- Individual Retirement Account.
- USD
- United States dollars.
- FAQ
- Frequently asked questions.
FAQ
Is this a Roth or Traditional IRA?
The projection works for both, but taxes depend on account type and are not modeled.
Does this include contribution limits?
No. Adjust the contribution to match current IRS limits.
What if I pause contributions?
Set the annual contribution to zero for a year to model a pause in savings.