Retirement Calculators (2026)

Contribution limits, catch-up rules and Roth conversion room for the 2026 tax year.

Roth Catch-Up Calculator Whether your catch-up must be Roth in 2026, and the deduction that costs you. Roth Conversion Calculator Conversion room to the top of your bracket, with IRMAA and ACA warnings.

About these retirement calculators

Two things changed for 2026 that these calculators handle directly. SECURE 2.0 now requires catch-up contributions to be Roth for anyone whose prior-year wages from that employer exceeded $150,000, which removes a deduction people have counted on for years. And Roth conversion planning has become harder, because filling a bracket can simultaneously trip the Medicare IRMAA surcharge two years out and the ACA subsidy cliff this year. Both tools use the contribution limits from IRS Notice 2025-67 and flag the interactions rather than leaving you to discover them at filing. Both also show the limits in force for the year, including the ages 60 to 63 super catch-up that many employer plans do not actually offer.