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IRA calculator

Calculate remaining 2026 IRA contribution room and project a traditional IRA balance with your annual deposits.

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Calculate remaining 2026 IRA contribution room and project a traditional IRA balance with your annual deposits.

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Precision and calculation record
Rounding changes displayed numbers, not the calculation. Text, fractions, matrices and CSV schedules keep their own formatting. Automatic keeps up to 12 significant digits, with money shown to cents where applicable.
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Formula and assumptions
US individual traditional IRA, using your own eligible compensation. Shared traditional/Roth contributions count toward the same cap. Spousal compensation, SIMPLE/SEP, rollovers, deductions and withdrawals are excluded. Contribution eligibility does not establish deductibility. The projection uses fixed year-end deposits and return, without predicting future tax limits.
Automatic precision shows money to two decimal places and other numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.
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Using IRA calculator
Calculate remaining 2026 IRA contribution room and project a traditional IRA balance with your annual deposits.
US individual traditional IRA, using your own eligible compensation. Shared traditional/Roth contributions count toward the same cap. Spousal compensation, SIMPLE/SEP, rollovers, deductions and withdrawals are excluded. Contribution eligibility does not establish deductibility. The projection uses fixed year-end deposits and return, without predicting future tax limits.
Next: 401k calculator
Next: Income tax calculator
A worked example
For 2026 eligible taxable compensation (usd) = 60000, age at end of 2026 = 40, already contributed to all traditional and roth iras (usd) = 1000, current traditional ira balance (usd) = 20000, annual future contribution (usd) = 6000, projection years = 10, assumed annual return after fees (%) = 5, remaining 2026 contribution room (usd) = 6,500.00.
Before you use the result
US individual traditional IRA, using your own eligible compensation. Shared traditional/Roth contributions count toward the same cap. Spousal compensation, SIMPLE/SEP, rollovers, deductions and withdrawals are excluded. Contribution eligibility does not establish deductibility. The projection uses fixed year-end deposits and return, without predicting future tax limits.
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ToolOctopus. “IRA calculator.” Updated 2026-09-29. https://tooloctopus.com/ira-calculator.
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