IRA Calculator
The IRA calculator can be used to evaluate and compare traditional IRAs, SEP IRAs, SIMPLE IRAs, Roth IRAs, and regular taxable savings. For comparison purposes, Roth IRA and regular taxable savings will be converted to after-tax values. To calculate a Roth IRA with after-tax inputs, please use our Roth IRA Calculator. This calculator is mainly intended for use by U.S. residents.
Modify the values and click the calculate button to use
IRA Calculator – Compare & Maximize Your Retirement Savings
The IRA Calculator is a powerful financial tool designed to help you evaluate and compare different retirement savings options, including Traditional IRAs, SEP IRAs, SIMPLE IRAs, Roth IRAs, and regular taxable savings accounts.
Key Features:
✅ Side-by-Side Comparison – See how different retirement accounts perform over time, including pre-tax and after-tax values.
✅ Tax Efficiency Insights – Understand how taxes impact your savings with Roth IRA (after-tax) vs. Traditional IRA (tax-deferred) growth.
✅ Customizable Inputs – Adjust contributions, expected returns, tax rates, and retirement age to match your financial situation.
✅ Clear Results – Get an easy-to-read breakdown of projected balances at retirement, with after-tax comparisons.
✅ Optimized for U.S. Residents – Tailored calculations based on U.S. tax rules for IRAs and taxable investments.
How It Works:
- Enter Your Details – Current savings, annual contributions, expected returns, age, and tax rates.
- Click Calculate – Instantly see projected growth for each account type.
- Compare & Decide – Determine which IRA (or taxable savings) best fits your retirement strategy.
Perfect for:
🔹 Individuals planning for retirement
🔹 Self-employed professionals (SEP/SIMPLE IRA users)
🔹 Investors deciding between Roth vs. Traditional IRAs
🔹 Anyone wanting to maximize tax-advantaged savings
Start optimising your retirement strategy today!