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IRA Calculator: Maximize Your Retirement Savings
Die IRA-Rechner estimates how your savings can grow over time based on your current balance, annual contributions, and expected return. Use it to set realistic goals, compare scenarios, and fine-tune your retirement plan.
1) What the Calculator Does
This tool projects your future IRA balance at your retirement age by combining your starting savings, ongoing contributions, and compound growth at your chosen return rate.
2) Eingaben
| Eingabe | Beschreibung |
|---|---|
| Aktuelles Alter | Used to determine the years until retirement. |
| Renteneintrittsalter | Defines how long your money compounds. |
| Derzeitige Ersparnisse für den Ruhestand | Your starting balance today. |
| Jährlicher Beitrag | Amount you add to the IRA each year. |
| Erwartete jährliche Rendite | Estimated average yearly growth (e.g., 7%). |
3) Wie es funktioniert (Formel)
FV = PV × (1 + r)^t + C × \[\big((1 + r)^t − 1\big) / r\]
- FV = future value at retirement
- PV = current savings (present value)
- r = annual return (decimal)
- t = years until retirement
- C = annual contribution
4) Ausgänge
| Ausgabe | Was es bedeutet |
|---|---|
| Geschätzte Ersparnisse für den Ruhestand | Projected total at your retirement age, including compounded growth and contributions. |
5) Praktische Anwendungsfälle
- Plan contributions to hit a target nest egg.
- Compare returns for conservative vs. aggressive portfolios.
- Track progress and adjust annually.
6) Häufig gestellte Fragen
What is an IRA?
An IRA (Individual Retirement Account) is a tax-advantaged account for retirement saving. Depending on type, contributions and/or growth may receive tax benefits.
What’s the difference between a Traditional and Roth IRA?
Traditional IRA: potential tax deduction now; withdrawals taxed later. Roth IRA: after-tax contributions; qualified withdrawals are tax-free.
How much should I contribute?
Contribute up to the IRS annual limit if possible. Even modest increases early can materially raise your future balance via compounding.
Can I have multiple IRAs?
Yes. You can hold multiple IRAs, but your combined yearly contributions cannot exceed the IRS limit for your age.
Is it smart to include Bitcoin or Gold in my IRA?
Alternatives can diversify risk. See our guides to Bitcoin IRAs und Gold IRAs to evaluate fit for your goals and risk tolerance.
