Roth vs Traditional IRA Calculator 2026
Compare Roth and Traditional IRA contribution options based on income, filing status, workplace plan coverage, and your expected retirement tax picture.
Calculate Your IRA Fit
Answer a few questions to receive educational guidance on whether Roth or Traditional IRA contributions may be more tax-efficient for your situation.
How This Calculator Works
- Estimates the 2026 IRA contribution limit based on age.
- Checks direct Roth IRA income phase-out ranges.
- Checks Traditional IRA deduction phase-out ranges when a workplace plan applies.
- Combines eligibility with your expected retirement tax picture to provide educational guidance.
Example Scenario
A 35-year-old single filer earning $100,000 and expecting lower retirement income may lean Traditional if they can deduct the contribution. If income or workplace plan coverage limits deductibility, Roth or Backdoor Roth planning may become more relevant.
Educational disclaimer: Tax treatment depends on your full situation and future law changes. This calculator is not tax advice.