Patricio Nahuelhual / Getty Images See how much you could have at age 67 if you contributed $7,500 to your IRA every year starting at age 28. Key Takeaways If you contribute the 2026 individual retirement account (IRA) limit of$7,500 every year from age 27 to 67, investing fully in an S&P 500 index fund, you could end up with roughly $1.38 million, assuming that past annual inflation-adjusted returns match future ones. A more conservative 60/40 portfolio of U.S. stocks and bonds, respectively, would y ...