MasterTool

IRA Calculator

Calculate ira from your own entered figures.

IRS 2026 retirement limits (Notice 2025-67) — 401(k)/403(b) deferral $24,500, IRA limit $7,500 last updated · reference source

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Currency: Amounts are calculated in the currency you select; this site does not convert between currencies and does not use live exchange rates.

Dated static reference; no live data is fetched. Verify current source values and assumptions before relying on results.

What this tool does

Calculate ira from your own entered figures. Deductibility of contributions (which phases out for workplace-plan participants) is not modelled; a constant return and a single flat withdrawal tax rate are assumed.

How to use the IRA Calculator

  1. Enter or select current age.
  2. Enter or select current traditional ira balance.
  3. Enter or select annual contribution.
  4. Enter or select expected annual return (%).
  5. Enter or select years to project.
  6. Enter or select expected tax rate on withdrawals (%).
  7. Read the calculated result; change any measurement to compare alternatives.

Formula

annual contribution is capped at the IRS 2026 IRA limit for your age ($7,500, +$1,100 at 50+); the pre-tax balance compounds yearly and withdrawals are taxed at the entered retirement rate
age
Current age
balance
Current traditional IRA balance
annual
Annual contribution
ret
Expected annual return (%)
years
Years to project
taxRet
Expected tax rate on withdrawals (%)

Deductibility of contributions (which phases out for workplace-plan participants) is not modelled; a constant return and a single flat withdrawal tax rate are assumed.

Worked example

For ira calculator, the following measurements illustrate the exact method: Current age: 35; Current traditional IRA balance: 10000; Annual contribution: 7500; Expected annual return (%): 7; Years to project: 30; Expected tax rate on withdrawals (%): 22.

Inputs

  • Current age35
  • Current traditional IRA balance10000
  • Annual contribution7500
  • Expected annual return (%)7
  • Years to project30
  • Expected tax rate on withdrawals (%)22

Result

  • Projected pre-tax IRA balance$784,578.45
  • Value after tax on withdrawal$611,971.19
  • Estimated tax due on full withdrawal$172,607.26
  • 2026 IRS IRA limit at age 35$7,500.00

Results explained

Projected pre-tax IRA balance
Projected pre-tax IRA balance from the formula above. Deductibility of contributions (which phases out for workplace-plan participants) is not modelled; a constant return and a single flat withdrawal tax rate are assumed.
Value after tax on withdrawal
Value after tax on withdrawal from the formula above. Deductibility of contributions (which phases out for workplace-plan participants) is not modelled; a constant return and a single flat withdrawal tax rate are assumed.
Estimated tax due on full withdrawal
Estimated tax due on full withdrawal from the formula above. Deductibility of contributions (which phases out for workplace-plan participants) is not modelled; a constant return and a single flat withdrawal tax rate are assumed.
2026 IRS IRA limit at age 35
2026 IRS IRA limit at age 35 from the formula above. Deductibility of contributions (which phases out for workplace-plan participants) is not modelled; a constant return and a single flat withdrawal tax rate are assumed.

Frequently asked questions

annual contribution is capped at the IRS 2026 IRA limit for your age ($7,500, +$1,100 at 50+); the pre-tax balance compounds yearly and withdrawals are taxed at the entered retirement rate

Deductibility of contributions (which phases out for workplace-plan participants) is not modelled; a constant return and a single flat withdrawal tax rate are assumed.

No. All numbers are entered by you or come from the dated reference table shown on this page; calculations run locally.

This is an estimate, not financial, tax or legal advice. Verify the inputs and output with official sources and a qualified professional.

Check period consistency, currency, percentage inputs and the assumptions: Deductibility of contributions (which phases out for workplace-plan participants) is not modelled; a constant return and a single flat withdrawal tax rate are assumed.