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SIMPLE IRA Calculator

Project SIMPLE IRA balance growth from recurring contributions with a free small-business retirement calculator.

Projected balance

$343,194

Total contributions

$158,400

Investment growth

$184,794

What this estimate means

216 months of contributions modeled with monthly compounding.

This is a planning estimate, not a guaranteed return forecast.

How to Use

  1. Enter your current SIMPLE IRA balance.
  2. Add your average monthly contribution amount, including any employer match if you want.
  3. Choose an annual return estimate and savings horizon.
  4. Review the projected future value and total contribution base.

Frequently Asked Questions

What is a SIMPLE IRA calculator helpful for?

It helps small-business employees and owners estimate how ongoing SIMPLE IRA contributions may grow over time.

Can I include employer matching?

Yes. If you want the projection to reflect total funding, include your expected employer contribution in the monthly amount.

Is this the same as a traditional IRA?

No. A SIMPLE IRA is an employer-sponsored retirement plan with different contribution mechanics than a personal traditional IRA.

Does this estimate taxes?

No. It models savings and growth only, not your future tax treatment.

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