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SIMPLE IRA Calculator
Project SIMPLE IRA balance growth from recurring contributions with a free small-business retirement calculator.
Projected balance
$343,194
Total contributions
$158,400
Investment growth
$184,794
What this estimate means
216 months of contributions modeled with monthly compounding.
This is a planning estimate, not a guaranteed return forecast.
How to Use
- Enter your current SIMPLE IRA balance.
- Add your average monthly contribution amount, including any employer match if you want.
- Choose an annual return estimate and savings horizon.
- Review the projected future value and total contribution base.
Frequently Asked Questions
What is a SIMPLE IRA calculator helpful for?
It helps small-business employees and owners estimate how ongoing SIMPLE IRA contributions may grow over time.
Can I include employer matching?
Yes. If you want the projection to reflect total funding, include your expected employer contribution in the monthly amount.
Is this the same as a traditional IRA?
No. A SIMPLE IRA is an employer-sponsored retirement plan with different contribution mechanics than a personal traditional IRA.
Does this estimate taxes?
No. It models savings and growth only, not your future tax treatment.
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