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IRA Calculator 2026 (Roth & Traditional)
Free IRA calculator for 2026: the $7,500 limit ($8,600 at 50+), how much you can put in a Roth IRA at your income, how much of a traditional IRA you can deduct, and the tax saved.
You in 2026
Retirement plan at work (401k, 403b)?
Your 2026 IRA limit
$7,500
| You can put into a Roth IRA | $7,500 |
| Traditional IRA you can deduct | $7,500 |
| Federal tax saved (traditional) | $1,650 |
| Balance in 30 years | $628,513 |
2026 rules
| Limit (under 50) | $7,500 |
| Catch-up at 50+ | $1,100 |
| Roth phase-out, single | $153,000 – $168,000 |
| Roth phase-out, married | $242,000 – $252,000 |
| Deduction phase-out with work plan, single | $81,000 – $91,000 |
| Deduction phase-out with work plan, married | $129,000 – $149,000 |
The limit is for all your IRAs together (Roth + traditional). Tax saving uses the standard deduction. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: IRS: IRA contribution limits · IRS: Roth IRAs
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Questions people ask
What is the IRA limit for 2026?+
$7,500, plus $1,100 if you are 50 or older ($8,600). It covers all your IRAs together and can't be more than your earned income.
What are the 2026 Roth IRA income limits?+
The Roth contribution phases out between $153,000 and $168,000 for single filers and between $242,000 and $252,000 for married couples filing jointly.
Can I deduct a traditional IRA if I have a 401(k)?+
Fully below $81,000 (single) or $129,000 (married), partly up to $91,000 or $149,000, and not above that.