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United States Retirement Calculator

Traditional IRA Calculator 2026

Estimate your 2026 Traditional IRA contribution limit, potential tax-deductible contribution and long-term retirement growth. The calculator considers your age, compensation, MAGI, filing status and workplace retirement plan coverage.

Traditional IRA limits for 2026

The IRS increased the annual IRA contribution limit for 2026. Traditional IRA and Roth IRA contributions share the same annual IRA limit.

Rule2026 amount
Standard IRA contribution limitUS$ 7,500
Additional contribution for age 50 or olderUS$ 1,100
Total IRA limit for age 50 or olderUS$ 8,600
Traditional and Roth IRA limitShared annual limit
Taxable compensation requirementContribution generally cannot exceed eligible taxable compensation

The $7,500 annual limit applies to the combined amount contributed to your Traditional and Roth IRAs. If you are age 50 or older, the 2026 catch-up contribution is $1,100, increasing the combined limit to $8,600.

Traditional IRA Calculator

Your information

Enter your tax information, contributions, and investment assumptions to estimate your Traditional IRA for 2026.

Quickly estimate the growth of your Traditional IRA using only the essential information.

Simplified projection

Enter the essential information to estimate the future value of your Traditional IRA.

Your age at the beginning of the retirement projection.

The age at which the retirement projection ends.

The current value of your Traditional IRA before any new contributions.

US$

The amount you wish to contribute to this Traditional IRA for the year.

US$

Your estimated average annual investment return before fees.

%

Estimated annual percentage for management and investment fees.

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How often contributions are added to the account.

Choose whether contributions are made at the beginning or end of each period.

Expected annual percentage increase in your contribution.

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Also display the projected value in today's dollars.

Enter the required information and calculate to display your results.

How much can you contribute to a Traditional IRA in 2026?

Your maximum Traditional IRA contribution generally depends on the annual IRA limit and your eligible taxable compensation. The limit is shared across your Traditional and Roth IRAs.

For 2026, the standard combined Traditional and Roth IRA contribution limit is $7,500.

Your contribution generally cannot exceed your eligible taxable compensation for the year.

Traditional IRA and Roth IRA contributions share the same annual IRA contribution limit.

Contributions above the applicable limit may be treated as excess contributions and can have tax consequences if they are not corrected.

Is a Traditional IRA contribution tax-deductible?

Being allowed to contribute to a Traditional IRA does not necessarily mean the entire contribution is deductible. Your deduction can depend on MAGI, filing status and workplace retirement plan coverage.

If neither you nor your spouse is covered by a retirement plan at work, the income-based deduction phase-out generally does not apply.

If you or your spouse is covered by a workplace retirement plan, your modified adjusted gross income can reduce or eliminate your Traditional IRA deduction.

Income within the applicable phase-out range can result in a partial deduction.

A contribution may still be allowed even when it is not deductible. Nondeductible Traditional IRA contributions generally require proper tax reporting, including Form 8606 when applicable.

Estimate your Traditional IRA growth

The calculator can also project how your Traditional IRA balance may grow over time using your contribution assumptions, expected investment return, fees and inflation.

Expected investment returns are assumptions and actual market returns can be higher or lower.

Investment and account fees can reduce long-term retirement growth.

Inflation-adjusted results show the estimated purchasing power of your future balance in today's dollars.

Future IRA contribution limits may change because the IRS periodically adjusts retirement limits for inflation.

2026 Traditional IRA deduction income limits

If you or your spouse participates in a workplace retirement plan, the amount of your Traditional IRA contribution that you can deduct may be reduced or eliminated based on your modified adjusted gross income and filing status.

Filing statusWorkplace plan situation2026 phase-out range
Single or head of householdIRA contributor covered by a workplace retirement planUS$ 81,000 – US$ 91,000
Married filing jointlyIRA contributor covered by a workplace retirement planUS$ 129,000 – US$ 149,000
Married filing jointlyContributor not covered, but spouse is coveredUS$ 242,000 – US$ 252,000
Married filing separatelyIRA contributor covered by a workplace retirement planUS$ 0 – US$ 10,000

These ranges apply to the situations shown and should not be interpreted as a complete determination of IRA deductibility. Other tax circumstances can affect the calculation.

Traditional IRA Calculator FAQ

Common questions about 2026 Traditional IRA contribution limits, deductions, workplace retirement plans and Roth IRAs.

What is the Traditional IRA contribution limit for 2026?

For 2026, the combined contribution limit for Traditional and Roth IRAs is $7,500. If you are age 50 or older, the additional catch-up contribution is $1,100, making the combined limit $8,600. Your contribution may also be limited by your eligible taxable compensation.

Read the 2026 Traditional IRA contribution limit guide →
Are Traditional IRA contributions tax-deductible?

Traditional IRA contributions may be fully deductible, partially deductible or nondeductible. The result depends in part on whether you or your spouse is covered by a workplace retirement plan, your filing status and your modified adjusted gross income.

Read the Traditional IRA tax deduction guide →
How much can I deduct for a Traditional IRA in 2026?

Your deduction can be as high as your eligible Traditional IRA contribution, but workplace retirement plan coverage and MAGI can reduce or eliminate the deduction. For 2026, taxpayers covered by a workplace plan are subject to different phase-out ranges based on filing status.

Read the Traditional IRA tax deduction guide →
Can I contribute to a Traditional IRA if I have a 401(k)?

Yes. Participation in a 401(k) or another workplace retirement plan does not by itself prevent you from contributing to a Traditional IRA. However, workplace plan coverage can affect whether your Traditional IRA contribution is deductible.

What is the difference between a Traditional IRA and a Roth IRA?

Traditional IRA contributions may qualify for a current-year tax deduction, while eligible Roth IRA contributions are generally made with after-tax money. Traditional IRA distributions are generally taxable when withdrawn, while qualified Roth IRA distributions can generally be tax-free.

Compare Traditional IRA vs Roth IRA →

Important information about this calculator

This calculator provides an estimate based on the information you enter and the 2026 rules modeled by Frontiers Finance. Actual IRA eligibility, deductions and tax consequences can depend on additional facts not captured by a general calculator.

This calculator is provided for informational and educational purposes only and is not tax, investment or legal advice. Verify your situation using current IRS guidance or a qualified tax professional.

Official IRS sources

The 2026 contribution limits and Traditional IRA deduction rules used on this page are based on official Internal Revenue Service guidance.