2026 Simple IRA Contribution Calculator

Background.

Use 2026 Simple IRA Contribution Calculator when you need to limit a planned employee salary reduction using compensation plus the applicable 2026 catch-up. A SIMPLE IRA has its own lower deferral limit and employer contribution rules distinct from a regular 401(k). Here the arithmetic follows “allowed contribution = min(compensation, planned contribution, annual limit + catch-up),” rather than silently mixing alternatives.

The editable entries are eligible compensation, planned contribution, 2026 base annual limit, applicable catch-up limit. Use values from the document or measurement that governs this 2026 simple ira contribution question; the defaults are only the worked fixture below. The most consequential input mistake would be to ignore that employer match or nonelective contributions, special plan limits and two-year early-distribution rules are outside this employee-deferral result.

IRS Publication 560, Retirement Plans for Small Business; SEP, SIMPLE and qualified-plan computations documents the convention or governing rule used here. The 2026 simple ira contribution output is a transparent scenario under those facts: it does not manufacture an unentered market price, professional determination, carrier quote, legal eligibility finding or locally adopted code value.

What is 2026 simple ira contribution calculator?

2026 Simple IRA Contribution is the relationship behind this decision: a SIMPLE IRA has its own lower deferral limit and employer contribution rules distinct from a regular 401(k). On this page it means allowed contribution = min(compensation, planned contribution, annual limit + catch-up). Employer match or nonelective contributions, special plan limits and two-year early-distribution rules are outside this employee-deferral result; that is the line between the reported quantity and a broader retirement analysis.

How to use this calculator.

1. 01Confirm that “allowed contribution = min(compensation, planned contribution, annual limit + catch-up)” matches the 2026 simple ira contribution convention you need.
2. 02Replace the fixture values for eligible compensation, planned contribution, 2026 base annual limit, applicable catch-up limit with dated values from the governing record.
3. 03Keep all currencies, measurement units and time periods on the same basis before calculating.
4. 04Read allowed contribution together with this boundary: Employer match or nonelective contributions, special plan limits and two-year early-distribution rules are outside this employee-deferral result.

The formula.

The calculation uses allowed contribution = min(compensation, planned contribution, annual limit + catch-up). In this 2026 simple ira contribution model, the entered terms are eligible compensation, planned contribution, 2026 base annual limit, applicable catch-up limit. A SIMPLE IRA has its own lower deferral limit and employer contribution rules distinct from a regular 401(k), which is why the relationship is presented under this name rather than as a universal alternative. Employer match or nonelective contributions, special plan limits and two-year early-distribution rules are outside this employee-deferral result. Calculations keep full decimal precision through the relationship and round only the returned display values.

A worked example.

Frequently asked questions.

References& sources.

1. [1]IRS Publication 560, Retirement Plans for Small Business; SEP, SIMPLE and qualified-plan computations. Retrieved 2026-08-07. access: open unless marked otherwise.
2. [2]IRS Notice 2025-67, 2026 retirement-plan and IRA limitations. Retrieved 2026-08-07. access: open unless marked otherwise.
3. [3]U.S. Internal Revenue Service. 401(k) limit increases to $24,500 for 2026; IRA limit increases to $7,500. Retrieved 2026-08-07. independence: primary; access: open.