Use this free IRA calculator to project future balance, total contributions, and estimated growth from current IRA balance, annual contribution, annual return, and years to grow.
$25,000 plus $583.33/mo for 20 years
This does not check IRS contribution limits, eligibility, deductions, tax treatment, penalties, or required distributions.
Project IRA growth from current balance and annual contributions.
Compare contribution amounts, returns, and time horizons.
Estimate how much of the projection comes from deposits versus growth.
Create a planning number before checking official IRA rules.
Projected IRA balance
Shorter retirement runway
Long-term projection
Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.
Use it for early planning and side-by-side comparisons, especially for tasks like these: Project IRA growth from current balance and annual contributions. Compare contribution amounts, returns, and time horizons. Treat the answer as a planning estimate, not a final quote.
In plain language: The calculator converts annual contribution to a monthly deposit, compounds the current balance monthly, and adds monthly contributions through the projection period. If the result seems too high or too low, first check whether each field expects a monthly amount, annual amount, dollar value, or percent.
This does not handle deductions, Roth income limits, IRS contribution limits, required minimum distributions, penalties, taxes, fees, or investment risk. Real finance decisions can also depend on fees, timing, local rules, credit details, and provider-specific terms.
No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.