IRA Calculator

Accurate IRA Calculator for U.S. residents. Compare Traditional, Roth, SEP, and SIMPLE IRAs with detailed before-tax and after-tax projections, growth charts, and tax savings.

Current Balance ($):

Annual Before-Tax Contribution ($):

Expected Rate of Return (%):

Current Age:

Retirement Age:

Current Marginal Tax Rate (%):

Expected Tax Rate in Retirement (%):

Projection Results:

Total at Retirement (Before Tax): $0

Total at Retirement (After Tax): $0

Total Contributions: $0

Total Growth: $0

Estimated Tax Savings Now: $0

Annual Growth Schedule (Ages 30–64)

Age	Traditional/SIMPLE/SEP IRA		Roth IRA (After Tax)	Taxable Savings (After Tax)
Age	Before Tax	After Tax (15% withdrawal tax)	Balance	Balance
30	$20,000 → $28,200	$17,000 → $23,970	$15,000 → $21,150	$15,000 → $20,925
31	$28,200 → $36,892	$23,970 → $31,358	$21,150 → $27,669	$20,925 → $27,117
32	$36,892 → $46,106	$31,358 → $39,190	$27,669 → $34,579	$27,117 → $33,587
33	$46,106 → $55,872	$39,190 → $47,491	$34,579 → $41,904	$33,587 → $40,348
34	$55,872 → $66,224	$47,491 → $56,291	$41,904 → $49,668	$40,348 → $47,414
35	$66,224 → $77,198	$56,291 → $65,618	$49,668 → $57,898	$47,414 → $54,798
36	$77,198 → $88,829	$65,618 → $75,505	$57,898 → $66,622	$54,798 → $62,513
37	$88,829 → $101,159	$75,505 → $85,985	$66,622 → $75,869	$62,513 → $70,577
38	$101,159 → $114,229	$85,985 → $97,094	$75,869 → $85,672	$70,577 → $79,003
39	$114,229 → $128,083	$97,094 → $108,870	$85,672 → $96,062	$79,003 → $87,808
40	$128,083 → $142,767	$108,870 → $121,352	$96,062 → $107,076	$87,808 → $97,009
41	$142,767 → $158,334	$121,352 → $134,583	$107,076 → $118,750	$97,009 → $106,624
42	$158,334 → $174,834	$134,583 → $148,608	$118,750 → $131,125	$106,624 → $116,672
43	$174,834 → $192,324	$148,608 → $163,475	$131,125 → $144,243	$116,672 → $127,173
44	$192,324 → $210,863	$163,475 → $179,234	$144,243 → $158,147	$127,173 → $138,146
45	$210,863 → $230,515	$179,234 → $195,938	$158,147 → $172,886	$138,146 → $149,612
46	$230,515 → $251,346	$195,938 → $213,644	$172,886 → $188,509	$149,612 → $161,595
47	$251,346 → $273,426	$213,644 → $232,412	$188,509 → $205,070	$161,595 → $174,116
48	$273,426 → $296,832	$232,412 → $252,307	$205,070 → $222,624	$174,116 → $187,202
49	$296,832 → $321,642	$252,307 → $273,396	$222,624 → $241,231	$187,202 → $200,876
50	$321,642 → $347,940	$273,396 → $295,749	$241,231 → $260,955	$200,876 → $215,165
51	$347,940 → $375,817	$295,749 → $319,444	$260,955 → $281,863	$215,165 → $230,098
52	$375,817 → $405,366	$319,444 → $344,561	$281,863 → $304,024	$230,098 → $245,702
53	$405,366 → $436,688	$344,561 → $371,185	$304,024 → $327,516	$245,702 → $262,008
54	$436,688 → $469,889	$371,185 → $399,406	$327,516 → $352,417	$262,008 → $279,049
55	$469,889 → $505,082	$399,406 → $429,320	$352,417 → $378,812	$279,049 → $296,856
56	$505,082 → $542,387	$429,320 → $461,029	$378,812 → $406,790	$296,856 → $315,465
57	$542,387 → $581,931	$461,029 → $494,641	$406,790 → $436,448	$315,465 → $334,910
58	$581,931 → $623,846	$494,641 → $530,269	$436,448 → $467,885	$334,910 → $355,231
59	$623,846 → $668,277	$530,269 → $568,036	$467,885 → $501,208	$355,231 → $376,467
60	$668,277 → $715,374	$568,036 → $608,068	$501,208 → $536,530	$376,467 → $398,658
61	$715,374 → $765,296	$608,068 → $650,502	$536,530 → $573,972	$398,658 → $421,848
62	$765,296 → $818,214	$650,502 → $695,482	$573,972 → $613,660	$421,848 → $446,081
63	$818,214 → $874,307	$695,482 → $743,161	$613,660 → $655,730	$446,081 → $471,404
64	$874,307 → $933,765	$743,161 → $793,700	$655,730 → $700,324	$471,404 → $497,867

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