IRA Calculator
Estimate the future value of a Traditional or Roth IRA based on your current balance, annual contributions, investment return, retirement age and tax assumptions.
Add your age, current account balance and annual contribution.
Choose an expected annual return and contribution timing.
Review projected balance, growth and estimated after-tax value.
This calculator assumes a constant annual rate of return and regular contributions until retirement. Roth IRA results are shown without retirement taxes, while Traditional IRA after-tax value uses the retirement tax rate entered. Actual contribution eligibility, limits, taxes, fees and investment returns may differ.
What is the difference between a Roth IRA and a Traditional IRA?
Roth IRA contributions are generally made with after-tax money and qualified withdrawals may be tax-free. Traditional IRA contributions may be deductible, while withdrawals are generally taxable.
Does this calculator enforce annual IRA contribution limits?
No. Enter the contribution amount you expect to make. Check current IRS rules and eligibility requirements separately.
Why can the projected balance be much larger than my contributions?
Compounding allows investment earnings to generate additional earnings over time, especially across long retirement horizons.
Results are estimates generated locally in your browser using standard financial formulas and the figures you enter. They are for informational purposes only and are not financial, credit, tax or legal advice. Actual offers, rates, fees and eligibility vary by provider. VisionVix accepts no liability for decisions based on this tool's output.
This calculator is for general educational planning only and is not financial, tax, legal or investment advice. Actual results depend on market performance, fees, taxes, contribution rules and personal circumstances.
