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Retirement

SEP-IRA Calculator

Project a SEP-IRA — a retirement plan for the self-employed and small businesses — with the value in today's dollars.

Your details

SEP-IRA at retirement
$1,422,883.43
In today's dollars
$678,349.27
Total contributions
$385,000.00
Investment growth
$1,037,883.43

Contributions vs growth

$1.4MTotal
Contributions
$385,000.0027%
Growth
$1,037,883.4373%
SEP-IRA at retirement$1,422,883.43

Formula

Future value = current balance compounded monthly plus the future value of monthly contributions, deflated by inflation for the real balance.

Sources & methodology

Constant return with monthly compounding plus an inflation adjustment; excludes SEP contribution limits.

Last updated: 2026-07-20

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<p style="font:13px/1.5 system-ui,sans-serif;color:#52514e;margin:6px 0"><a href="https://numveo.com/retirement/sep-ira-calculator" target="_blank" rel="noopener">SEP-IRA Calculator</a> by <a href="https://numveo.com" target="_blank" rel="noopener">Numveo</a></p>