IRA: US IRA comparison using entered contributions.
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IRA Calculator for United States
USD · 12,345.67US customary measurementsRoad distance: miles
United States planning scenario. Amounts, prices and rates are editable examples. No verified local tax bands, exemptions, benefits or lender rules are applied. Currency amounts are not exchanged.
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USD
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USD
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%
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Traditional balance after entered withdrawal tax
$217,999.23
Amounts in USD · United States · editable planning estimate
Pretax account balance$272,499.04
Traditional after-tax proceeds$217,999.23
Invested annual deduction savings$50,338.90
Traditional plus invested deduction savings$268,338.14
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How this result was calculated
Grow annual contributions at a constant return; compare qualified Roth proceeds with taxable traditional proceeds and a taxable-account approximation.
Country setup: United States. Displayed measurements are converted to the formula's base units internally.
Assumption: US IRA comparison using entered contributions. Contribution limits, income eligibility, deductibility, qualified-distribution rules and penalties must be checked separately. Assumes fully deductible traditional contributions and qualified Roth distributions. United States planning scenario. Amounts, prices and rates are editable examples. No verified local tax bands, exemptions, benefits or lender rules are applied. Currency amounts are not exchanged.
Calculation version 1.0.0 · Support state: generic
Formula and method
Grow annual contributions at a constant return; compare qualified Roth proceeds with taxable traditional proceeds and a taxable-account approximation.
This calculation uses the values you enter. It runs in your browser and does not request a location or account.
Worked example
At 0% return, 10000 starting plus 5000 annually for 2 years gives 20000 before withdrawal tax.
Questions people ask
Which method does this tool use?
Grow annual contributions at a constant return; compare qualified Roth proceeds with taxable traditional proceeds and a taxable-account approximation.
What should I check before using the result?
US IRA comparison using entered contributions. Contribution limits, income eligibility, deductibility, qualified-distribution rules and penalties must be checked separately. Assumes fully deductible traditional contributions and qualified Roth distributions.