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Retirement Contribution Calculator

Plan your retirement savings and maximize tax benefits for 2026

Your Information

Age 50+ qualifies for catch-up contributions

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Percentage of salary your employer matches

Retirement Plan

Enter your information to calculate retirement contributions

2026 Contribution Limits

401(k) / 403(b)

$23,000
Standard limit
+$7,500 catch-up (age 50+)

Traditional IRA

$7,000
Standard limit
+$1,000 catch-up (age 50+)

SEP IRA

$69,000
Standard limit
25% of compensation

SIMPLE IRA

$16,000
Standard limit
+$3,500 catch-up (age 50+)

Retirement Savings Tips

Maximize Employer Match

Always contribute enough to get the full employer match - it's free money that can significantly boost your retirement savings.

Start Early

The power of compound interest means starting early can make a huge difference in your retirement savings over time.

Increase Contributions

Try to increase your contribution rate by 1% each year, especially when you get a raise.

Diversify Investments

Spread your retirement savings across different asset classes to manage risk and optimize returns.