Growth Projections
Tax-free compounding and long-term wealth modeling for IRA-held real estate.
How Growth Projections Work
The projection engine models year-by-year account growth including property appreciation, rental income accumulation, expense growth, loan amortization, and UBIT payments. It calculates your total IRA account value at each year -- combining property equity, cumulative net cash flow, and ongoing contributions. A parallel projection models the same property held personally (outside an IRA) with income taxes, capital gains, and depreciation recapture to show the true tax-advantaged difference.
- Year-by-year property value with configurable appreciation rate
- Rental income grows annually with rent and expense growth rates
- Loan amortization reduces UBIT exposure over time
- Side-by-side IRA vs. personal ownership comparison
The Power of Tax-Advantaged Compounding
Real estate inside a Roth IRA grows completely tax-free -- no income tax on cash flow, no capital gains on sale, and no RMDs forcing distributions. Even in a Traditional IRA, growth is tax-deferred, meaning all cash flow and appreciation compounds without annual tax drag. Over 20-30 years, this compounding advantage can result in hundreds of thousands of dollars more wealth compared to holding the same property personally. The projection charts make this difference viscerally clear.
- Roth IRA: $0 tax on decades of rental income and appreciation
- Traditional IRA: Tax-deferred growth (taxed only on withdrawal)
- Personal ownership: Annual income tax + capital gains + depreciation recapture
- Compounding advantage grows exponentially over longer time horizons
Sample Output
See what this feature calculates for you.
Explore More Features
See everything Self-Directed IRA / Solo 401k Real Estate Planner has to offer.
Included with All Apps
These features come with every app -- no extra cost.
Property Database
70+ fields, auto-save editing, live calculation sidebar, smart search and filtering.
Learn more →Comprehensive Property Data
Every number an investor needs across 11 organized sections with smart field types.
Learn more →Smart Editing & Live Sidebar
Auto-save with 800ms debounce, per-section status badges, and real-time calculations.
Learn more →Property Classification
Tag properties by investment strategy and property type. Filter and sort your entire portfolio.
Learn more →Real-Time Calculations
27 key metrics across 5 categories computed instantly as you type, with clickable walkthroughs.
Learn more →Portfolio Dashboard
Portfolio highlights, property cards, strategy and type breakdowns, overview charts, and cross-app features.
Learn more →AI Property Import
Copy a prompt, paste your MLS listing into any AI tool, and import 20+ property fields in seconds.
Learn more →Ready to Use Growth Projections?
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