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Retirement · 401(k), IRA & Roth

Traditional IRA Calculator

Project the tax-deferred growth of a Traditional IRA and see its after-tax value at retirement.

  • Free to use here · embed on the Business plan
  • 6 inputs · 5 results
  • English & Spanish

Try the Traditional IRA Calculator

See your Traditional IRA grow tax-deferred — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the Traditional IRA calculator works out

The Traditional IRA Calculator is a free, embeddable calculator from CalcFunnel. Project the tax-deferred growth of a Traditional IRA and see its after-tax value at retirement.

You enter 6 inputs: current balance, annual contribution, years to grow, annual return (%), tax rate now (%) and tax rate at withdrawal (%).

It returns pre-tax balance, after-tax value, total contributed, tax-deferred growth and upfront tax savings.

Built for financial advisors and planners. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category.

Results it shows

  1. 01Pre-Tax Balance
  2. 02After-Tax Value
  3. 03Total Contributed
  4. 04Tax-Deferred Growth
  5. 05Upfront Tax Savings

The first figure — pre-tax balance — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Contributions & Growth

Current Balance
What is in the IRA today.
Annual Contribution
How much you contribute each year. The 2026 IRA limit is $7,500 ($8,600 if age 50+), shared across all your IRAs.
Years to Grow
Years until you withdraw.
Annual Return (%)
The average annual investment return, compounded monthly.

Tax

Tax Rate Now (%)
Your marginal tax rate today — used to estimate the upfront tax savings from a deductible contribution.
Tax Rate at Withdrawal (%)
Your expected tax rate in retirement, applied to the balance to find its after-tax value.

For your website

Embed this calculator on your website

Put the Traditional IRA Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Traditional IRA calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Traditional IRA Calculator calculate?
Project the tax-deferred growth of a Traditional IRA and see its after-tax value at retirement. It returns pre-tax balance, after-tax value, total contributed, tax-deferred growth and upfront tax savings.
Q.02What information do I need to use the Traditional IRA Calculator?
You enter 6 inputs: current balance, annual contribution, years to grow, annual return (%), tax rate now (%) and tax rate at withdrawal (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Current Balance” mean in the Traditional IRA Calculator?
What is in the IRA today.
Q.04What does “Annual Contribution” mean in the Traditional IRA Calculator?
How much you contribute each year. The 2026 IRA limit is $7,500 ($8,600 if age 50+), shared across all your IRAs.
Q.05Is the Traditional IRA Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category. Compare plans.
Q.06Can I embed the Traditional IRA Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Traditional IRA Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Traditional IRA results financial advice?
No. Estimates only. Contributions grow tax-deferred and are taxed as ordinary income at withdrawal. Contribution limits, income/deductibility limits and tax law are not enforced. Consult a tax professional.

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The Traditional IRA Calculator is one of 188 calculators you can brand and embed with one line of code.

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  • 14-day trial on Pro & Business
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