How It Works
Contributions occur at year-end and remain constant; future tax rules and limits are not forecast.
2026 first-year personal limits: IRA $7,500 plus $1,100 age-50 catch-up; 401(k) $24,500 plus $8,000 age-50 catch-up, or $11,250 at ages 60–63 if the plan permits.
Scope and Limitations
- You must verify earned-income eligibility, IRA income phaseouts/deductibility, other-account contributions and employer-plan restrictions. Traditional-account after-tax value assumes fully taxable withdrawals; Roth value assumes qualified distributions. Employer match is entered as a ratio to eligible contributions, with full vesting assumed.
Reference Sources
FAQs
How does this calculator work?
Contributions occur at year-end and remain constant; future tax rules and limits are not forecast.
What assumptions should I check?
You must verify earned-income eligibility, IRA income phaseouts/deductibility, other-account contributions and employer-plan restrictions. Traditional-account after-tax value assumes fully taxable withdrawals; Roth value assumes qualified distributions. Employer match is entered as a ratio to eligible contributions, with full vesting assumed. 2026 first-year personal limits: IRA $7,500 plus $1,100 age-50 catch-up; 401(k) $24,500 plus $8,000 age-50 catch-up, or $11,250 at ages 60–63 if the plan permits.