2026 IRS LIMITS UPDATED

Traditional IRA vs Roth IRA Calculator 2026

Contribution limits • Eligibility checker • 30-year growth comparison • Tax break analysis • Backdoor Roth • Break-even tax rate

Your Information

Your Age Used for contribution limits (age 50+ catch-up) and growth projection

Retirement Age When you plan to start withdrawals

Annual Income / MAGI ($) Modified Adjusted Gross Income — determines Roth eligibility and traditional deductibility

Filing Status

Annual Contribution ($) 2026 max: $7,500 (under 50) or $8,600 (age 50+). Combined limit across all IRAs.

Covered by Workplace Plan? Affects whether traditional IRA contributions are tax-deductible

Tax & Growth Settings

Current Tax Bracket (%) Your federal marginal rate today

Expected Retirement Tax Bracket (%) Your expected federal rate in retirement

Expected Annual Return (%) Average annual investment return (historical S&P 500: ~10%)

State Income Tax Rate (%) Used to calculate total tax savings and after-tax comparison

Inflation Rate (%) Used to show real (inflation-adjusted) growth values

Roth Conversion & Backdoor Roth Calculator

Traditional IRA Balance ($)

Amount to Convert This Year ($)

Current Marginal Tax Rate (%)

Pre-existing Pre-tax IRA Balances ($) Affects pro-rata rule for backdoor Roth. Enter 0 if no other pre-tax IRAs.

Key Numbers at a Glance

Growth projection — Traditional IRA (blue) vs Roth IRA (gold)

Year-by-Year 10-Year Detail

Tax Savings Analysis

Which IRA Is Better for You? — Decision Guide

2026 IRA Rules Quick Reference

This calculator uses 2026 IRS limits from IRS IR-2025-111 (Nov 13, 2025), IRS Publication 590-A, and Vanguard/Fidelity verified 2026 phase-out thresholds. For educational purposes only. Consult a qualified tax advisor before making IRA decisions. Results are projections, not guarantees.