Calculator
SDIRA Growth Calculator
Real Estate + Reinvested Income, Compounded
See both engines at once: a property appreciating inside your retirement account, and the net rent you reinvest compounding alongside it. Everything calculates live in your browser — nothing is sent anywhere.
Your assumptions
Total Illustrative Value after 30 years
$2,678,562
Two compounding engines: the property itself appreciates, and the net rental income you reinvest compounds separately.
- Initial real estate investment
- $400,000
- Home value after 30 years (with appreciation)
- $970,905
- Home appreciation gain
- $570,905
- Annual net rental income reinvested
- $21,600
- Compounded value of reinvested rental income
- $1,707,657
- Total illustrative value
- $2,678,562
Illustration only. Not a forecast, not tax or legal advice. Real returns vary and can be negative.
How to read these numbers
The calculator above gives you a total. Here's how each piece of it gets there, using your current inputs.
- 1
Initial Investment
The property itself, held inside your self-directed IRA or 401(k). In this example: $400,000.
- 2
Reinvestment of Net Rental Income
Your net rental cash flow — $1,800 a month, or $21,600 a year — gets reinvested inside the account every year at an assumed 6% annual growth rate. Compounded over 30 years, that stream alone grows to $1,707,657.
- 3
Combined Outcome
The property itself is also appreciating — at 3% a year, it grows from $400,000 to $970,905. Add the two together and you get the total illustrative value above: $2,678,562.
Why this works
- Rental income creates consistent cash flow, whether the property is appreciating that year or not.
- Reinvesting that income is a second compounding engine, entirely separate from the property's own value.
- A long time horizon does most of the work — the gap between year 10 and year 30 is where compounding actually shows up.
- Property appreciation is a third layer on top of both — unlike a flat, conservative illustration, this calculator includes it, because it's real money on the table too.
About the return rate you choose
The calculator starts at 6%. That is a placeholder, not a prediction. Change it to any rate you want to test, such as 4%, 8% or 10%. Real returns vary and can be negative. This is an educational illustration only. It is not a projection, and it is not tax, legal or investment advice. Talk to your custodian and CPA before you invest.
This is a hypothetical, illustrative example for educational purposes only. It does not guarantee results. Real estate and market returns are not guaranteed, involve risk, and can lose value. Consult your CPA, tax advisor, and IRA custodian before acting.
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