Retirement Calculators
IRA Calculator
Project the balance of a traditional individual retirement account from regular contributions and expected returns.
Projected balance at retirement
$923,029
- Total contributed
- $243,000
- Investment growth
- $680,029
Yr 2Yr 3Yr 5Yr 6Yr 8Yr 9Yr 11Yr 12Yr 14Yr 15Yr 17Yr 18Yr 20Yr 21Yr 23Yr 24Yr 26Yr 27Yr 29Yr 30
How this calculator works
Balance grows monthly: balance × (1 + r) + contributions
- r
- the monthly return derived from the annual figure
- contributions
- your payments plus any employer contribution
Important considerations
- Annual contribution limits and tax rules apply and change over time.
- Returns are assumed constant; real outcomes vary year to year.
Related calculators
- Roth IRA CalculatorRoth IRA balance from after-tax contributions.
- 401(k) CalculatorWorkplace plan balance including employer contributions.
- Retirement CalculatorProject your retirement balance and the income it could sustain.
- Retirement Savings CalculatorCombined retirement savings projection.
- Social Security Benefit CalculatorEstimated benefit and the effect of claiming age.
- Required Minimum Distribution CalculatorMinimum withdrawal required from a retirement account.
Learn more
Terms used here
Frequently asked questions
When is tax paid on a traditional IRA?
Contributions may be deductible now and withdrawals are taxed later, which is the reverse of a Roth.
Disclaimer
Legamoney calculators are educational tools. Results are estimates based on the figures you enter and do not constitute financial, tax or legal advice.
Last reviewed 2026-08-01