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

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

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

Related calculators

More Retirement →

Roth IRA Calculator 401(k) Calculator

Learn more

401(k) vs IRA vs Roth: Which Should You Use?The main US retirement accounts differ mostly in taxes and access. A simple framework for choosing.

Embed this calculator⌄

Paste this into your page — it works with no key and computes in the visitor's browser.

<iframe src="https://numveo.com/embed/traditional-ira-calculator" width="100%" height="640" style="border:0" loading="lazy" title="Traditional IRA Calculator"></iframe>