IRA Calculator
Traditional IRA growth and after-tax retirement value
Use this when you need a fast, accurate result — no sign-up, works entirely in your browser.
Balance at retirement—
Total contributed—
Investment growth—
After-tax value (traditional IRA)—
How to Use
- Enter your details into the fields above.
- Click the calculate button to get your result instantly.
- Use the clear button to start a new calculation.
Example
- $10,000 balance, $7,000/yr, 7%, 25 years, 22% retirement tax → Balance ≈ $528,009.62; contributed $185,000; growth $343,009.62; after-tax ≈ $411,847.50
- $30k + $6k/yr, 6%, 25 yr, 22% tax bracket → Balance ≈ $477,694 (growth $297.7k); ≈ $372,602 after tax
Formula
Balance = PV × (1+r)n + PMT × ((1+r)n − 1) / r × (1+r). A traditional IRA is tax-deferred: contributions may be deductible now, but withdrawals are taxed as ordinary income, so after-tax value = balance × (1 − retirement tax rate). Compare against a Roth IRA, where the same balance is withdrawn tax-free.
About IRA Calculator
Traditional IRA growth and after-tax retirement value. This free online tool gives you fast, accurate results without registration or downloads.
Everything runs locally in your browser, so your data is never uploaded or stored — privacy first.
Frequently Asked Questions
Is this tool free to use? +
Yes, it is completely free with no registration or download required.
Is my data private? +
Yes. Everything is processed locally in your browser. Nothing is uploaded or stored on our servers.
Does it work on mobile? +
Yes, it works on any device — phone, tablet, or desktop.