Estimate future IRA balance, annual contributions, total growth, possible retirement income, and inflation-adjusted value based on age, current IRA balance, yearly contributions, and expected return.
Current balance growth:
Your current IRA balance compounds each year at the expected annual return entered.
Annual contributions:
Yearly contributions are added until retirement age based on the contribution timing selected.
Retirement income estimate:
The projected retirement balance is used to estimate possible annual and monthly retirement income using a simple 4% rule.
Inflation adjustment:
The calculator also estimates what the future balance may be worth in today’s dollars.
IRA estimates help you see how your current contribution plan and time horizon may affect retirement readiness. They are useful for testing higher contribution levels, different retirement ages, and different return assumptions.
This tool is most useful for early and mid-stage retirement planning.
Your result shows projected IRA balance, total contributions, total growth, estimated retirement income, and inflation-adjusted value based on the assumptions entered.
An IRA calculator estimates how much an Individual Retirement Account may grow by retirement age based on current balance, yearly contributions, and expected return.
Yes. This version lets you choose an IRA type for context, although the growth calculation itself is the same in this simplified planning model.
It is a common planning guideline used to estimate annual retirement income at roughly 4% of a retirement portfolio balance.
No. This is only an estimate based on the values you enter and should not be treated as guaranteed investment or retirement advice.