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Calculator Preferences
IRA Growth and Distribution Calculator Sign
IRA Growth and Distribution Calculator

This calculator is for IRA owners under the age of 70-1/2. The calculator will create a year-to-year chart showing the future growth based on your expected rate of return. Then, once the chart reaches age 70-1/2 all rows thereafter will show the combined effects of interest earnings and minimum distributions. The Learn tab includes answers to:

  • When do withdrawals start?
  • What is the RMD formula?
  • What time of the year are distributions due?
Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Balance:Current balance:IRA current balance:IRA current account balance:

IRA current balance:

Enter the combined total of all qualified retirement plan account balances.

Your age:Your current age:Your current age:Your current age:

Current age:

Enter your current age (must be greater than 20 and less than 70). If you are 70 or older, please visit the age-appropriate calculator link located within the Help tab.

Birth mon:Your birth month:Your birth month:Your birth month:

Your birth month:

Select the month you were born in. This is used to determine whether you are to start making distributions at age 70, or at age 71.

Benefic age:Beneficiary age:Beneficiary age (if applicable):Beneficiary age (if applicable):

Beneficiary age:

If your spouse is the sole beneficiary and is more than 10 years younger than you, enter the age of the spouse as of 12/31 of the distribution year. Otherwise leave this field blank.

Expect ROI:Expected ROI:Expected return on investments:Expected annual return on investments:

Expected annual return on investments:

Enter the annual percentage return you expect to earn on your IRAs. Please enter the amount as a percentage, but without the percent sign (for .06 or 6%, enter 6).

If you would like to save the current entries to the secure database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Feedback AppreciatedFeedback Greatly AppreciatedYour Feedback Would Be Greatly AppreciatedYour Feedback Is Greatly Appreciated
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Help and Tools

Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.

 

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