🎲 Fun & Lifestyle
Traditional IRA Calculator
Pre-tax contributions + tax-deferred growth — taxed on withdrawal.
Enter values to see your result
Frequently asked questions
Is my contribution always deductible?
Deductibility depends on income and whether you (or spouse) are covered by a workplace retirement plan. High earners covered by 401(k) may lose full deduction.
When must I start withdrawing?
Required Minimum Distributions (RMDs) begin at age 73 (as of SECURE Act 2.0, 2023). Each year, you must withdraw a % based on the IRS Uniform Lifetime Table.
Traditional or Roth — quick answer?
Traditional if you expect lower tax rate in retirement (common for late-career high earners). Roth if you expect higher rate (common for young earners).
Can I convert to Roth later?
Yes. Roth conversions let you pay tax now to move funds to tax-free Roth. Useful in low-income years (early retirement, job transition).