Traditional IRA Calculator
Project your Traditional IRA growth, plus an estimate of what remains after tax.
Enter your numbers and select Calculate to see results.
About This Calculator
This calculator projects the growth of a Traditional IRA, which may offer an upfront tax deduction on contributions but is taxed as ordinary income when withdrawn in retirement. It shows both the projected pre-tax balance and an estimated after-tax value based on a tax rate you provide.
How This Is Calculated
After-Tax Value = Pre-Tax Balance × (1 − Estimated Tax Rate)
A $500,000 pre-tax balance, taxed at an estimated 18% in retirement, nets about $410,000 after tax.
Assumptions
- Contributions may or may not be tax-deductible depending on your income and whether you're covered by a workplace plan — this calculator assumes deductibility for growth projection purposes.
- After-tax estimate uses a single flat rate you provide; actual tax depends on your total income and bracket in the withdrawal year.
- Required Minimum Distributions apply to Traditional IRAs starting at the applicable RMD age — see our RMD Calculator.
Frequently Asked Questions
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Last updated January 15, 2026. Results are estimates for informational purposes only — read our disclaimer.