IRA calculator

Initial amount

Average annual return

Annual IRA management fee

Investment period (years)

Net value: direct investment

tax paid every year

Net value: IRA

tax paid only at the end

The IRA advantage

additional net gain

* All figures are net. Direct investment assumes 25% capital gains tax is deducted every year, which lowers the net annual return. In the IRA, the 25% tax is deducted only at the end of the period, on the total gain accumulated after ongoing management fees.