IRA Contribution Calculator for 2026 Limits

Report source: https://convertonline.org/calculators/ira-contribution-calculator

Compare planned Traditional and Roth IRA contributions against one shared annual limit and estimate how workplace coverage and MAGI affect the deduction.

Private calculation. Your entries and results stay in this browser and are not uploaded to ConvertOnline.

Rules and data: Updated for 2026 IRS limits.

IRA Contribution Calculator

Age at year end

Taxable compensation

Tax filing status

Modified adjusted gross income

Workplace plan coverage

Planned Traditional IRA contribution

Planned Roth IRA contribution

Adjust 2026 IRS contribution, Roth, and deduction limits

These source-dated values are editable so the calculator remains useful when rules change or a different tax year applies.

2026 IRA contribution limit

2026 age 50+ catch-up

Roth single phaseout start

Roth single phaseout end

Roth joint phaseout start

Roth joint phaseout end

Roth separate phaseout start

Roth separate phaseout end

Covered single deduction phaseout start

Covered single deduction phaseout end

Covered joint deduction phaseout start

Covered joint deduction phaseout end

Spouse-only coverage phaseout start

Spouse-only coverage phaseout end

Covered separate deduction phaseout start

Covered separate deduction phaseout end

Estimated combined IRA contribution limit

Enter your assumptions to calculate a projection.

Contribution comparison

IRA contribution allocation
Year	Age or phase	Salary	Starting balance	User contribution	Employer contribution	Withdrawals	Growth	Ending balance

IRA Contribution Calculator formula

Traditional and Roth IRA contributions share one annual limit. The calculator caps that limit by taxable compensation, applies the Roth MAGI phaseout, and estimates a Traditional IRA deduction from filing status, MAGI, and workplace plan coverage.

This is a planning estimate. Spousal IRAs, recharacterizations, excess contribution corrections, tax filing deadlines, and other special tax rules are outside this calculator.

Assumptions and limitations

The fields start with the displayed 2026 IRS limits and remain editable when rules or circumstances differ.
The deduction estimate assumes the selected workplace coverage applies for the tax year.
Married-filing-separately thresholds assume the filer lived with a spouse during the year; IRS rules can differ when spouses lived apart all year.
Traditional and Roth entries represent contributions for the same person and same tax year.
The calculator does not prepare Form 8606 or determine tax basis, credits, penalties, or qualified distributions.

Sources:

Worked example

Example: splitting the shared IRA limit

A 52-year-old plans $5,000 to a Traditional IRA and $3,600 to a Roth IRA. With sufficient compensation, the 2026 regular limit plus catch-up provides $8,600 of combined room.

If the filer is covered at work and MAGI is halfway through the applicable deduction phaseout, the estimated maximum deduction is $4,300. Of the $5,000 Traditional contribution, about $700 is nondeductible.

Frequently asked questions

Do Traditional and Roth IRAs have separate limits?

No. Contributions for one person share the annual IRA limit across all Traditional and Roth IRA accounts.

Can I make a nondeductible Traditional IRA contribution?

It may be possible when compensation and annual limit rules are met. Nondeductible amounts generally require tax basis tracking, including Form 8606 where applicable.

Does workplace coverage prevent an IRA contribution?

Workplace coverage can reduce a Traditional IRA deduction, but it does not by itself prohibit a contribution. Roth eligibility has separate MAGI limits.

This calculator provides an estimate for planning and education. Actual returns, rates, plan terms, taxes, fees, and future rules may differ.