Traditional IRA Calculator
Project a traditional IRA balance at retirement, with the value shown in today's dollars. Contributions may be tax-deductible; withdrawals are taxed.
Your details
IRA at retirement
$1,073,119.58
- In today's dollars
- $452,181.54
- Total contributions
- $225,000.00
- Investment growth
- $848,119.58
Contributions vs growth
- Contributions
- $225,000.0021%
- Growth
- $848,119.5879%
IRA at retirement$1,073,119.58
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 contribution limits and taxes on withdrawal.
- •U.S. SEC — IRAs — SEC
Last updated: 2026-07-20
Also on your phone
Numveo for Android
200+ financial calculators — mortgage, loans, taxes, retirement. Fast, private, and fully offline.
Learn more
401(k) vs IRA vs Roth: Which Should You Use?How 401(k), traditional IRA, and Roth accounts differ on taxes and access, plus a simple order for using them.Required Minimum Distributions (RMDs) ExplainedWhat RMDs are, why they start at age 73, how the required amount is calculated, and the penalty for missing the deadline.
Embed this calculator⌄
Paste this into your page — it works with no key and computes in the visitor's browser. The short credit line links back to Numveo; please keep it.
<iframe src="https://numveo.com/embed/traditional-ira-calculator" width="100%" height="640" style="border:0" loading="lazy" title="Traditional IRA Calculator"></iframe>
<p style="font:13px/1.5 system-ui,sans-serif;color:#52514e;margin:6px 0"><a href="https://numveo.com/retirement/traditional-ira-calculator" target="_blank" rel="noopener">Traditional IRA Calculator</a> by <a href="https://numveo.com" target="_blank" rel="noopener">Numveo</a></p>