Expand Financial, LLC
Megan Kroger
630 Lexington Ave.
Mansfield, OH 44907
jbonsall@expandfinancial.com
 
 




Traditional IRA Future Value Calculator
Traditional IRA Future Value Calculator

This calculator will estimate and chart the future value of a tax-deferred traditional IRA. Just enter the required information to calculate the potential value at retirement. The calculation assumes that the same annual contribution is made at the end of each year until retirement, and that all contributions are fully tax deductible. Investment earnings are compounded annually on a tax-deferred basis.


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IRA contribution limits, including "catch-up" contributions for individuals age 50 or over, are summarized in the table below.

Years
%


Contribution limits:

Tax year beginning inContribution limits (under age 50)Additional catch-up contribution limits (age 50 or over)
2023$6,500$1,000
2024 and 2025$7,000$1,000


This calculation assumes that each contribution is fully tax deductible. If either the IRA owner or spouse participates in an employer-sponsored retirement plan, the deductibility of contributions is subject to limitations based on tax filing status and modified adjusted gross income. Withdrawals from traditional IRAs are subject to federal income tax to the extent that they consist of deductible contributions and investment earnings. Withdrawals made before age 59½ may also be subject to a 10 percent penalty.



IMPORTANT DISCLOSURES Broadridge Investor Communication Solutions, Inc. does not provide investment, tax, legal, or retirement advice or recommendations. The information presented here is not specific to any individual's personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable — we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

The information published herein is provided for informational purposes only and does not constitute an offer of investment advisory services. All information is subject to change without notice. Nothing contained herein constitutes financial, legal, tax, or other advice. These opinions may not fit to your risk and return preferences. Investment recommendations may change and readers are urged to check with their investment advisors before making any investment decisions. Information provided is obtained from sources believed to be reliable, but we cannot attest to its accuracy.  Past performance is not necessarily indicative of future returns.  Investment advisory services are offered through Expand Financial, LLC, a Registered Investment Adviser.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2025.