IRA Calculator

Your details

The 2026 IRA limit is $7,500, or $8,600 if you are age 50 or older.
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Optionally increase your yearly contribution by this percent to mirror raises. 0% keeps it level.
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Your marginal income tax rate today. Used to value the Traditional deduction and to fund the Roth comparison on equal footing.
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The rate you expect to pay on Traditional IRA withdrawals in retirement.
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Currency
Traditional IRA balance (pre-tax)
$948,354
Total contributions$250,000
Investment growth$698,354
Traditional IRA after tax$739,716
Roth IRA after tax$948,354
Taxable account after tax$653,745

Your IRA could reach 948,354 by retirement.

  • Of that, 250,000 is money you contributed and 698,354 is investment growth.
  • Compounding does about 74% of the work over 30 years, the longer you stay invested, the larger that share grows.
  • After tax, the Roth comes out about 208,638 ahead of the Traditional here, because its withdrawals are tax free.

Next stepAdjust your tax rate now versus in retirement to see whether a Traditional or Roth wins for you.

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