IRA Calculator
Free ira calculator. Get instant results — no signup, no account. Plan and compare with confidence.
Use the IRA Calculator below.
Calculate your IRA balance at retirement. Enter contribution, expected return, and years. Free IRA calculator for USA traditional and Roth IRA.
How to use IRA Calculator
Enter contribution
Input annual IRA contribution.
Enter return and years
Input expected return and years to retirement.
View balance
See projected IRA balance at retirement.
Features
- Instant results — no waiting or signup.
- Free to use — no hidden fees.
- No login or account required.
- Works on all devices — desktop, tablet, and mobile.
- Your data stays private — we do not store your inputs.
Why use this calculator
- Plan your finances with accurate estimates.
- Compare scenarios in seconds.
- Make informed decisions before you borrow or invest.
Supported browsers and devices
- All modern browsers (Chrome, Firefox, Safari, Edge).
- Mobile-friendly — use on phone or tablet.
- No app download — runs in your browser.
Frequently asked questions
Complete guide to IRA Calculator
What is an IRA calculator?
An IRA calculator estimates the growth of your Individual Retirement Account based on contributions, expected return, and years to retirement. IRAs are tax-advantaged accounts (Traditional: tax deduction now, taxed in retirement; Roth: after-tax now, tax-free in retirement). Use this calculator to see how regular IRA contributions can grow over time.
Traditional vs Roth IRA
| Feature | Traditional | Roth |
|---|---|---|
| Tax deduction | Yes (if eligible) | No |
| Withdrawals in retirement | Taxed as income | Tax-free |
| Contribution limits | Same annual limit | Same annual limit |
| Best when | Expect lower tax in retirement | Expect same or higher tax in retirement |
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Disclaimer
Our financial calculators are for informational and educational purposes only. Results are estimates based on the inputs you provide and standard formulas. They are not financial, tax, or legal advice. We do not store or share the numbers you enter.