RETIREMENT TOOLS
IRA calculator
Compare Traditional and Roth IRA options to a general (taxable) investment account and see how certain assumptions can impact your retirement strategy by adjusting the sliders below.
Ready to invest in a J.P. Morgan IRA? Get started.
Frequently Asked Questions
Please note: this isn't a projection of performance, but a calculation based on the inputs and assumptions outlined above. It's not a guarantee or representation of future performance.
To calculate the potential future value of your deductible Traditional, non-deductible Traditional or Roth IRA, we consider your starting account balance and monthly contributions, take into account tax savings from your deductible Traditional IRA contributions, and credit your earnings at the annual rate of return over the number of years between your current age and your targeted retirement age. We then adjust your Traditional IRA (both deductible and non-deductible) to account for deferred-taxes on earnings, and in the case of a deductible Traditional IRA, taxes on the deductible contributions, to show the future value of your account in after-tax dollars, at the year of retirement. For example, assuming you have a starting account balance of $10,000, with a $500 monthly contribution, over a 20-year span until retirement and the defaulted rates, the after-tax value of your non-deductible Traditional IRA in retirement would be $860,000.
To calculate the potential future value of your general (taxable) investment account, we consider your starting account balance and monthly contributions, credit your earnings at the annual rate of return over the number of years between your current age and your targeted retirement age, and adjust for taxes owed, which shows the future value of your account in after-tax dollars, at the year of retirement.
There are some key factors that determine what account type(s) you might be eligible for, and which may be the right fit for you. Learn more (PDF) about these factors in our account type comparison guide. You should connect with a tax or legal professional before making a decision.
Start planning for retirement
Traditional IRA
Your contributions to this retirement account may be tax‑deductible, but you will likely have to pay taxes when you withdraw your money.
Roth IRA
With this retirement account, you may be able to contribute after‑tax dollars. Plus, you don’t have to pay federal tax on qualified distributions.
General investment
Invest as much as you want with no trade or balance minimums—and withdraw your money at any time.
Discover how you can prepare for retirement
Retirement calculators
Knowing where you are today is an important step toward planning for your future. Run your numbers with our calculators to see how your current plan is working toward your goals.
Retirement calculators
Knowing where you are today is an important step toward planning for your future. Run your numbers with our calculators to see how your current plan is working toward your goals.
Plan for retirement
Whatever you’re looking forward to—more time with family, traveling or pursuing your passions—we can can help you prepare for what comes next.
Plan for retirement
Whatever you’re looking forward to—more time with family, traveling or pursuing your passions—we can can help you prepare for what comes next.
Sharpen your knowledge with the latest news and market commentary on retirement
Tap into the latest news and subscribe for market commentary and analysis from J.P. Morgan specialists to help you plan your investment strategy for retirement.