What is the 2025 Traditional IRA contribution limit?

For 2025 the Traditional IRA limit is $7,000. If you are 50 or older you can add a $1,000 catch-up. This calculator applies the right cap automatically for each year of the projection.

What does maxing out a Traditional IRA grow to?

It depends on your time horizon and return. As an illustration, contributing the $7,000 2025 Traditional IRA maximum every year for 30 years at a 7% annual return grows to roughly $684,000 — most of which is compound growth, not the money you put in. Enter your own age and return for a personalised figure.

Does this account for inflation, fees or taxes?

No. It is a nominal pre-fee, pre-tax growth projection that enforces the 2025 IRS contribution limit but does not deduct investment fees, model inflation, or apply withdrawal taxes. Treat the result as an estimated account balance, not spendable after-tax income.

Is my data sent anywhere?

No. Every calculation runs entirely in your browser in JavaScript. None of your age, balance or contribution figures are ever transmitted to a server.

Traditional IRA Max-Out Growth Calculator 2025 — Project $7,000/yr to Retirement

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Traditional IRA Max-Out Growth Calculator 2025

Two questions decide your retirement number: how much you put in and how long it compounds. Most calculators do one or the other. This one does both — it caps each year’s contribution at the real 2025 IRS limit for a Traditional IRA and then compounds it to your retirement age.

For 2025 the Traditional IRA limit is $7,000 (+$1,000 catch-up at age 50+). The age-50 catch-up and are applied automatically in the years you qualify — the tool raises and lowers your cap as you cross each age band, so a multi-decade projection stays accurate. Traditional IRA growth is tax-deferred; you owe ordinary income tax on withdrawals, so treat the balance as pre-tax.

Enter your current age, target retirement age, starting balance and expected annual return. Tick “contribute the IRS maximum every year” to see the ceiling, or untick it to model your own amount (it is still clamped to the legal limit). Everything runs in your browser — no figures are transmitted.

2025 limits used: Traditional IRA $7,000 (+$1,000 catch-up at age 50+). Source: IRS Notice 2024-80 + IRS Newsroom IR-2024-285, verified 2026-06-17. Always confirm the current year’s figure at irs.gov.