An IRA (Individual Retirement Account) is a tax-advantaged account that lets you grow investments for retirement. The two most common types are the Traditional IRA — where contributions may be tax-deductible and withdrawals in retirement are taxed — and the Roth IRA — where contributions are made wi...
Historical S&P 500 average: ~10% before inflation (~7% after)
ROTH ELIGIBILITY CHECK
PROJECTED BALANCE AT AGE 65
$967,658.15
Contributed: $245,000.00 · Growth: $722,658.15
AT RETIREMENT
$967,658.15
CONTRIBUTIONS
$245,000.00
GROWTH
$722,658.15
BALANCE OVER TIME
✓ Full Roth IRA contribution eligible
Live diagram · updates as you type
Select Traditional or Roth IRA. Then enter your current IRA balance (0 if starting fresh), your age, and your planned retirement age.
Enter your annual contribution. The 2025 maximum is $7,000 (under 50) or $8,000 (age 50+). For Roth, enter your MAGI to check if you're eligible to contribute the full amount.
Enter your expected annual return. A reasonable long-term estimate for a diversified stock portfolio is 6–8% per year. Use a lower rate (3–4%) for a conservative/bond-heavy portfolio.
The calculator shows your projected balance at retirement, total contributions, total investment growth, and a year-by-year breakdown table.
Alex is 30 years old, opens a Roth IRA with $0 balance, and contributes the maximum $7,000 per year until age 65 (35 years). Assuming 7% average annual return: Final balance = $7,000 × [((1.07)^35 − 1) / 0.07] = $946,000. Total contributed: $245,000. Tax-free growth: $701,000. In a Traditional IRA, the same result would be similar but withdrawals in retirement would be taxed as ordinary income. The Roth advantage is largest for those who expect to be in a higher tax bracket in retirement than today.
| ITEM | TRADITIONAL IRA | ROTH IRA |
|---|---|---|
| Contribution limit (under 50) | $7,000 | $7,000 |
| Contribution limit (50+) | $8,000 | $8,000 |
| Income limit to contribute | No limit | Phase-out starts at $150k (single) / $236k (MFJ) |
| Tax treatment (contributions) | May be deductible | After-tax (no deduction) |
| Tax treatment (withdrawals) | Taxed as income | Tax-free (qualified) |
| Required Minimum Distributions | Age 73 | None during owner's lifetime |
Source: IRS Notice 2024-80 · Roth phase-out 2025: $150k–$165k (single), $236k–$246k (MFJ)
FD Calculator
Calculate instantly →
Compound Interest Calculator
Calculate instantly →
ROI Calculator
Calculate instantly →
SIP Calculator
Calculate instantly →
401(k) Calculator
Calculate instantly →
PPF Calculator
Calculate instantly →
Inflation Calculator
Calculate instantly →
NPS Calculator
Calculate instantly →
Dividend Calculator
Calculate instantly →
Retirement Savings Calculator
Calculate instantly →
CAGR Calculator
Calculate instantly →
Mutual Fund Return Calculator
Calculate instantly →
Retirement Income Calculator
Calculate instantly →
Stock Return Calculator
Calculate instantly →
Limits: IRS Notice 2024-80 · 2025 contribution limit: $7,000 ($8,000 age 50+) · Roth phase-out: $150k–$165k single · Last updated: April 25, 2026 · Formula verified by EagleCalculator team · For informational purposes only — consult a financial advisor · Eagle-eyed accuracy for every calculation.