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Balance today’s needs with tomorrow’s savings

Spend It Or Invest In An IRA Calculator

See how investing in an IRA now can affect your retirement future.

Learn about IRAs

Decide Between Present Spending & Long-Term Investing

It’s easy to justify spending now—but neglecting retirement savings can cost you later. Our Spend It or Invest in an IRA Calculator helps you see how dollars invested today can grow over time, compared to what you’d gain by spending now. Enter your IRA contribution amount, investment growth rate, and how many years until retirement to project your future savings. Use this tool to understand how contributing now vs. spending can shape your financial future—and help you make better decisions that balance enjoying life today with building security for tomorrow.

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