Traditional IRA calculator (US, 2026)
US accounts only. Contributions lower your tax today, withdrawals are taxed later.
Result
420,458.05Balance after tax at retirement
- Balance before tax at retirement
- 477,793.24
- Tax saved on contributions
- 48,600.00
- After tax, with the tax saving reinvested
- 535,128.43
- Same contribution in a Roth IRA
- 477,793.24
- 2026 limit for your age
- 7,500.00
Year by year
Detailed table
| Year | Paid in | Gains | Balance before tax |
|---|---|---|---|
| 1 | 7,500.00 | 0.00 | 7,500.00 |
| 2 | 15,000.00 | 450.00 | 15,450.00 |
| 3 | 22,500.00 | 1,377.00 | 23,877.00 |
| 4 | 30,000.00 | 2,809.62 | 32,809.62 |
| 5 | 37,500.00 | 4,778.20 | 42,278.20 |
| 6 | 45,000.00 | 7,314.89 | 52,314.89 |
| 7 | 52,500.00 | 10,453.78 | 62,953.78 |
| 8 | 60,000.00 | 14,231.01 | 74,231.01 |
| 9 | 67,500.00 | 18,684.87 | 86,184.87 |
| 10 | 75,000.00 | 23,855.96 | 98,855.96 |
| 11 | 82,500.00 | 29,787.32 | 112,287.32 |
| 12 | 90,000.00 | 36,524.56 | 126,524.56 |
| 13 | 97,500.00 | 44,116.03 | 141,616.03 |
| 14 | 105,000.00 | 52,612.99 | 157,612.99 |
| 15 | 112,500.00 | 62,069.77 | 174,569.77 |
| 16 | 120,000.00 | 72,543.96 | 192,543.96 |
| 17 | 127,500.00 | 84,096.60 | 211,596.60 |
| 18 | 135,000.00 | 96,792.39 | 231,792.39 |
| 19 | 142,500.00 | 110,699.94 | 253,199.94 |
| 20 | 150,000.00 | 125,891.93 | 275,891.93 |
| 21 | 157,500.00 | 142,445.45 | 299,945.45 |
| 22 | 165,000.00 | 160,442.18 | 325,442.18 |
| 23 | 172,500.00 | 179,968.71 | 352,468.71 |
| 24 | 180,000.00 | 201,116.83 | 381,116.83 |
| 25 | 187,500.00 | 223,983.84 | 411,483.84 |
| 26 | 195,000.00 | 248,672.87 | 443,672.87 |
| 27 | 202,500.00 | 275,293.24 | 477,793.24 |
How it is calculated
- 2026 limit: 7,500 USD a year, 8,600 USD from age 50.
- Each year: balance × (1 + return) + contribution.
- After tax = balance × (1 − tax rate in retirement).
- Tax saved = contributions × tax rate today.
Example
Balance 100,000 and 12% tax in retirement: 88,000 is left after tax.
Good to know
- US rules, 2026 limit kept the same: it changes each year.
- The deduction can be reduced if you have a workplace plan and a high income.
- Required minimum distributions (RMD) start at 73. Indicative estimate, not tax advice.
Sources
- IRS, 2026 limits (Publication 590-A)
Frequently asked questions
What is this tool used for?
US accounts only. Contributions lower your tax today, withdrawals are taxed later.
How is the result calculated?
2026 limit: 7,500 USD a year, 8,600 USD from age 50.
What should I check before using the result?
US rules, 2026 limit kept the same: it changes each year.