IRA Calculator
Plan your Traditional or Roth IRA retirement savings
$
$
Max: $7,500.00
years
Range: 18 - 75
years
Range: 36 - 80
%
%
Balance at Retirement
$968,154.90
At age 65
After-Tax Value
$755,160.82
22% tax rate
Total Contributions
$242,000.00
Investment Growth
$726,154.90
Years to Retire
30
years
Monthly Income (4%)
$3,227.18
Sustainable withdrawal
IRA Growth Over Time
| Year | Balance |
|---|---|
| Age 35 | $25,000.00 |
| Age 36 | $34,240.00 |
| Age 37 | $44,126.80 |
| Age 38 | $54,705.68 |
| Age 39 | $66,025.07 |
| Age 40 | $78,136.83 |
| Age 41 | $91,096.41 |
| Age 42 | $104,963.15 |
| Age 43 | $119,800.58 |
| Age 44 | $135,676.62 |
| Age 45 | $152,663.98 |
| Age 46 | $170,840.46 |
| Age 47 | $190,289.29 |
| Age 48 | $211,099.54 |
| Age 49 | $233,366.51 |
| Age 50 | $257,192.16 |
| Age 51 | $282,685.61 |
| Age 52 | $309,963.61 |
| Age 53 | $339,151.06 |
| Age 54 | $370,381.63 |
| Age 55 | $403,798.35 |
| Age 56 | $439,554.23 |
| Age 57 | $477,813.03 |
| Age 58 | $518,749.94 |
| Age 59 | $562,552.44 |
| Age 60 | $609,421.11 |
| Age 61 | $659,570.59 |
| Age 62 | $713,230.53 |
| Age 63 | $770,646.66 |
| Age 64 | $832,081.93 |
| Age 65 | $897,817.67 |
Contribution Scenarios
| Annual Contribution | Monthly | Balance at 65 |
|---|---|---|
| $3,000.00 | $250.00 | $531,282.29 |
| $5,000.00 | $416.67 | $749,718.59 |
| $7,000.00 | $583.33 | $968,154.90 |
| $7,500.00 (max) | $625.00 | $1,022,763.98 |
2026 IRA Rules
- Contribution Limits: $7,500.00 (under 50) / $8,600.00 (50 and older)
- Traditional IRA: Contributions may be tax-deductible; taxed on withdrawal
- Roth IRA: Contributions not deductible; qualified withdrawals are tax-free
- Roth Income Limits: Phase-out ranges change annually; check IRS thresholds for 2026
- Early Withdrawal: 10% penalty before age 59½ (with some exceptions)
- Traditional IRAs require RMDs starting at age 73; Roth IRAs have no RMDs
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