Project your Traditional IRA balance at retirement using the 2026 IRS contribution limit and compound growth.
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Projected IRA Balance
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Total Contributions—
Total Investment Growth—
Formula
Balance grows each year by the return rate, plus the annual contribution, capped at the IRS limit.
Example
Starting at 30 with $10,000 saved, contributing the full $7,500 per year at 7% growth, projects to roughly $1.14 million by age 65.
Not tax or financial advice. This calculator provides general estimates based on published 2026 figures. Always confirm important figures with the IRS, SSA, your state tax agency, a licensed lender, or a qualified professional.
Frequently Asked Questions
What is the 2026 IRA contribution limit?
$7,500 for anyone under 50, and $8,600 including the catch-up for those 50 and older.
Is my contribution tax deductible?
It depends on your income and whether you or a spouse are covered by a workplace plan. Check current IRS deduction limits or consult a tax professional.