2026 Contribution Limit Calculator: IRA, Roth, HSA, 401(k)
Enter your situation once and see your maximum 2026 contribution to every account type, with income phase-outs applied automatically.
Total tax-advantaged room
$0
Combining an IRA, HSA, and your best self-employed plan. Accounts stack — SEP/Solo 401(k) contributions don't reduce your IRA limit.
Traditional IRA
$0
Roth IRA
$0
HSA
$0
Solo 401(k)
$0
SEP IRA
$0
SIMPLE IRA
$0
Want help maximizing these contributions?
- →IRA: $7,500 (+$1,100 catch-up at 50+). Roth phases out $153,000–$168,000 single, $242,000–$252,000 MFJ. Traditional deduction phases out $81,000–$91,000 single, $129,000–$149,000 MFJ when covered by a workplace plan.
- →HSA: $4,400 self-only / $8,750 family coverage, plus $1,000 catch-up at 55+.
- →Solo 401(k): $24,500 employee deferral (+$8,000 catch-up 50+, $11,250 at 60–63) plus ~20% of net self-employment earnings, up to a $72,000 combined cap.
- →SEP IRA: ~20% of net self-employment earnings, up to $72,000.
- →SIMPLE IRA: $17,000 deferral plus a 3% match, plus $4,000 / $5,250 catch-up.
- →Self-employed figures approximate the ½ SE-tax adjustment. Source: IRS Notice 2025-67 and Rev. Proc. 2025-19 — verify annually.
For illustration only — not investment, tax, or legal advice. Projections use hypothetical, constant assumptions and simplified fee and tax treatment. IRS limits, brackets, and phase-outs shown reflect published 2026 figures where noted and should be verified against current IRS guidance. Actual results will vary. Consult a qualified professional.