Current limits
Contribution limits can change and depend on age, income and tax rules. This calculator deliberately uses your entered limit instead of pretending to know live tax rules.
Example
With a 5,000 starting balance, 6,500 annual contribution, 6% return and 25 years, the projection shows how recurring contributions can become a much larger long-term balance.
Common mistakes
Do not assume contribution limits, deductibility or eligibility are universal. Rules vary by country, account type, income and year.
Limitations
This is not tax, legal or investment advice. It does not model Roth versus traditional tax treatment, required distributions, fees, inflation or changing contribution limits.
Last reviewed: 2026-05-17