Finance category
Mortgage, loan, investing, tax, and money calculators.
Traditional IRA Calculator
Estimate long-term traditional IRA growth from recurring contributions with a free traditional IRA calculator.
Projected balance
$586,780
Total contributions
$194,900
Investment growth
$391,880
What this estimate means
300 months of contributions modeled with monthly compounding.
This is a planning estimate, not a guaranteed return forecast.
How to Use
- Add your current traditional IRA balance if you have one.
- Enter the amount you expect to contribute each month.
- Set a return assumption and time horizon.
- Review the projected pre-tax account value and growth.
Frequently Asked Questions
How is a traditional IRA different from a Roth IRA?
Traditional IRAs may offer an upfront tax deduction, while Roth IRAs generally trade that deduction for tax-free qualified withdrawals later.
Does this calculator include taxes in retirement?
No. It projects account growth only, so retirement tax treatment depends on your future tax situation.
Can I use this for rollover IRAs too?
Yes. The growth math is similar for many IRA account types when you are modeling balance, contributions, and returns.
Why does the time horizon matter so much?
Compounding usually becomes more powerful over longer periods, so extra years can have a big effect on the ending balance.
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