IRA Calculator

Traditional and Roth IRAs both benefit from compounding; this page only models balance growth from contributions and return—it does not estimate tax on withdrawals.

Match the contribution field to what you actually invest each month after any income limits you already cleared.

IRA balance projection

Current IRA balance ($)

Monthly contribution ($)

Expected annual return (%)

Years

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How this is calculated

Same month-end mechanics as the 401(k) tool but no employer match row—only your recurring contribution.

Monthly return = annual ÷ 12; we loop month-by-month so you can read one ending number.

Use this tool for

• Seeing how maxing closer to the annual limit changes the curve.
• Comparing “lump IRA deposit now” vs spreading over the year (enter lump as starting balance).
• Coaching someone to start small then increase every January.

Common questions

Traditional vs Roth here?

Both show gross balance growth; tax on withdrawal or upfront basis is outside this page.

Lump sum once a year?

Approximate by averaging into the monthly field, or add a one-time amount to starting balance.