IRA Center This is the internet’s source for information on Retirement Accounts
for beginners and professionals. The following information covers traditional IRAs, roth IRAs, 401(k)s, 401(k)
rollovers, SIMPLE IRAs, SEP IRAs, 403(b)s, SARSEPs, Keoghs, Pension Plans. Do you participate in a retirement plan
through your employer? You may be illegible to start a Traditional or Roth IRA as well.
IRA FUTURE VALUE CHART
Untaxed Growth
Assumes an initial contribution of $2,000 and a $2,000 contribution made every year with all dividends,
capital gains, distributions, & interest reinvested and no distributions.
Annual Rate of Return
YEARS
6.00%
8.00%
10.00%
12.00%
15.00%
20.00%
0
$2,000
$2,000
$2,000
$2,000
$2,000
$2,000
1
$4,120
$4,160
$4,200
$4,240
$4,300
$4,400
2
$6,367
$6,493
$6,620
$6,749
$6,945
$7,280
3
$8,749
$9,012
$9,282
$9,559
$9,987
$10,736
4
$11,274
$11,733
$12,210
$12,706
$13,485
$14,883
5
$13,951
$14,672
$15,431
$16,230
$17,507
$19,860
6
$16,788
$17,846
$18,974
$20,178
$22,134
$25,832
7
$19,795
$21,273
$22,872
$24,599
$27,454
$32,998
8
$22,983
$24,975
$27,159
$29,551
$33,572
$41,598
9
$26,362
$28,973
$31,875
$35,097
$40,607
$51,917
10
$29,943
$33,291
$37,062
$41,309
$48,699
$64,301
11
$33,740
$37,954
$42,769
$48,266
$58,003
$79,161
12
$37,764
$42,991
$49,045
$56,058
$68,704
$96,993
13
$42,030
$48,430
$55,950
$64,785
$81,009
$118,392
14
$46,552
$54,304
$63,545
$74,559
$95,161
$144,070
15
$51,345
$60,649
$71,899
$85,507
$111,435
$174,884
16
$56,426
$67,500
$81,089
$97,767
$130,150
$211,861
17
$61,811
$47,900
$91,198
$111,499
$151,673
$256,233
18
$67,520
$82,893
$102,318
$126,879
$176,424
$309,480
19
$73,571
$91,524
$114,550
$144,105
$204,887
$373,376
20
$79,985
$100,846
$128,005
$163,397
$237,620
$450,051
25
$118,313
$159,909
$218,364
$300,668
$491,424
$1,134,755
30
$169,603
$246,642
$363,887
$542,585
$1,001,914
$2,838,516
35
$238,242
$374,204
$598,254
$968,926
$2,028,691
$7,078,019
40
$330,095
$561,562
$975,704
$1,720,285
$4,093,908
$17,627,259
The above illustration is hypothetical and does not represent the performance of any particular
investment. Withdrawals from traditional IRA investment accounts are subject to ordinary income tax, including
a 10% federal tax penalty for non-qualified distributions prior to the age of 59 1/2. Tax-free withdrawals
from Roth IRAs must be made in accordance with the holding period and other restrictions associated with these
accounts. Please consult your personal financial or tax advisor.
