Project your balance at retirement with Traditional or Roth IRA contributions, catch-up rules, and income phase-out limits built in.
Account type
Traditional IRA: Anyone with earned income can contribute. Deductibility phases out if you (or a spouse) are covered by a workplace plan and your income exceeds IRS thresholds.
Your profile
Income & growth
The S&P 500 has averaged ~10% annually. We default to 7% as a conservative estimate.
Covered by a workplace retirement plan (401k, 403b, etc.)Affects deductibility phase-out thresholds for Traditional IRA.
Contributions
Maximize to IRS limitAutomatically contribute the full IRS limit each year, including catch-up when eligible.
Contribution summary
Your contribution—
Catch-up amount—
Total annual contribution—
Catch-up contributions
Catch-up at age 50+
Balance at retirement
—
Total contributions
—
you contributed
Total growth
—
investment returns
Catch-up boost
—
vs. no catch-up
Field guide
What each input means and how to find it
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Account type
Traditional IRA
Contributions may be tax-deductible depending on your income and whether you have a workplace plan. Growth is tax-deferred; you pay taxes on withdrawals in retirement.
Roth IRA
Contributions are made with after-tax dollars. Growth and qualified withdrawals are tax-free. Subject to income limits — high earners may be phased out entirely.
Your profile
Current age
Your age today. The calculator projects your IRA from now until retirement.
Retirement age
When you plan to stop working. Age 59½ is the earliest you can withdraw from a Traditional IRA penalty-free; Roth contributions can be withdrawn anytime.
Current IRA balance
Your existing IRA balance today. Find this on your brokerage statement.
Income & growth
Modified AGI
Your Modified Adjusted Gross Income. Used to determine phase-out limits. Roughly equal to your gross income minus select deductions (student loan interest, etc.).
Example: if your W-2 salary is $80,000 and you have no adjustments, your MAGI is ~$80,000.
Filing status
Your tax filing status, which determines your income phase-out range for IRA contributions.
Workplace plan coverage
If you or your spouse are covered by a 401(k), 403(b), or other workplace plan, Traditional IRA deductibility phases out at lower income levels.
Rate of return
Average yearly investment growth. 7% is a conservative long-term estimate for a diversified portfolio. Past returns do not guarantee future results.
Contributions & catch-up
Annual contribution
How much you contribute to your IRA each year. Cannot exceed the IRS limit or your earned income for the year, whichever is lower.
Catch-up at 50+
Workers aged 50 and older can contribute an extra $1,000 per year above the standard IRA limit.