IRA Calculator
Project your IRA growth, checked against the current annual IRS contribution limit.
Enter your numbers and select Calculate to see results.
About This Calculator
This calculator projects the growth of an Individual Retirement Account (IRA) — traditional or Roth — based on your current balance, annual contributions, and expected investment return. It checks your contribution against the current combined IRA limit set by the IRS.
How This Is Calculated
Balance = Current Balance compounded annually, plus annual contributions
$15,000 starting, $7,000/year, at 7% for 30 years grows to roughly $735,000.
Assumptions
- 2026 combined Traditional + Roth IRA contribution limit: $7,500 (IRS Notice 2025-67).
- Age 50+ catch-up: additional $1,100.
- This limit is combined across all your Traditional and Roth IRAs — not per account.
- Does not model income-based eligibility phase-outs, which vary by filing status and whether you're covered by a workplace plan.
Frequently Asked Questions
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Last updated January 15, 2026. Results are estimates for informational purposes only — read our disclaimer.