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

Current ageRetirement ageCurrent SEP-IRA balance$Monthly contribution$Annual return%Inflation rate%

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

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.

•IRS — SEP plans — IRS

Last updated: 2026-07-20

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