SEP IRA Growth Calculator
Estimate how a SEP IRA could grow over time so you can compare employer contribution pace, time horizon, and tax-deferred compounding on one page.
Calculator
SEP IRA Growth Calculator
Add the balances already sitting in SEP IRA.
Starting balance total: $55,000.00
Use the average employer contribution pace you expect to direct into the SEP IRA.
Total monthly contribution: $900.00
Use a long-run estimate that matches how the money is invested or saved.
Choose how many years the balance has to grow.
Example values are loaded.
Result
Your result
SEP IRA could grow to about $711,527.68 over 20 years on this plan.
Future value
$711,527.68
Total deposits
$271,000.00
Growth
$440,527.68
Projection assumptions
Next steps
Compare before you move on
Most people use one calculator to answer the first question and a related tool to pressure-test the decision.
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What this calculator shows
SEP IRA growth is driven by the current balance, the employer contribution pace, and the years left for compounding.
This page is best for self-employed or small-business planning when you want a clean projection without building a full business-income model.
How to use it
- 1. Add the balances already in the SEP IRA.
- 2. Use an average monthly employer contribution pace that reflects the business funding plan you expect to maintain.
- 3. Set the expected return and time horizon to project future value, deposits, and growth.
Formula and assumptions
The balance compounds monthly at the annual rate divided by 12 and adds the modeled contribution pace in each period.
Total deposits include the starting balance plus all modeled employer contributions, while growth is the amount earned above those deposits.
Notes
This does not model self-employment income, compensation caps, SEP contribution-limit calculations, or years when the employer contribution changes materially.
Worked example
$55,000.00 with an average $900.00 monthly employer contribution shows how business-funded retirement savings can compound over time.
This example uses the default sample inputs loaded on reset. It does not update with the live calculator entries above.
Future value
$711,527.68
Total deposits
$271,000.00
Growth
$440,527.68
Feedback
Found a problem on this page?
Report confusing fields, broken math, or missing assumptions with the exact inputs you used so the issue can be reproduced.
FAQ
FAQ
Does this calculator determine the maximum SEP IRA contribution I am allowed to make?
No. It projects the funding pace you enter and does not calculate compensation-based SEP contribution limits.
FAQ
Why is the contribution framed as employer money?
Because SEP IRAs are generally funded through employer contributions, even when the employer is your own business.