IRA calculator

Your age

Filing status

You have a workplace retirement plan

Your spouse has a workplace plan

Modified AGI ($)

Contribution this year ($)

Your tax rate (%)

IRA balance now ($)

Return (%)

Retirement age

Your 2026 limit$7,500Across all your IRAs

Deductible$5,250Up to $5,250 at your income

Tax saved this year$1,155At a 22% rate

IRA at 65$500,950Before tax; withdrawals required from 75

You can put up to $7,500 in IRAs for 2026. $5,250 of your $7,500 is deductible; the other $2,250 is a nondeductible contribution you report on Form 8606. Contributing $7,500 a year, the account grows to about $500,950 by 65.

Free IRA calculator by Killion Labs. Tables, worked examples and assumptions are on the full page.