SIMPLE IRA Calculator
2026Calculate SIMPLE IRA contributions with employer match. 2026 limit: $17,600 ($21,100 if 50+).
Your Annual Contribution
$2,250.00
Employer Contribution
$2,250.00
Total Annual
$4,500.00
Projected Balance
$454,828.69
2026 SIMPLE IRA Limits
- Under 50: $17,600 employee deferral
- Age 50+: $21,100 ($3,500 catch-up)
- Employer: 3% match or 2% non-elective
SIMPLE IRA vs 401(k) Comparison
| SIMPLE IRA Balance at Retirement | $454,828.69 |
| 401(k) Balance at Retirement | $454,828.69 |
| Difference | $0.00 |
Growth Summary
| Total Employee Contributions | $67,500.00 |
| Total Employer Contributions | $67,500.00 |
| Investment Growth | $319,828.69 |
| Projected Balance | $454,828.69 |
Year-by-Year Projection
| Age 35 | $4,815.00 |
| Age 40 | $34,443.09 |
| Age 45 | $75,998.03 |
| Age 50 | $134,280.98 |
| Age 55 | $216,025.83 |
| Age 60 | $330,677.20 |
| Age 64 | $454,828.69 |
Use the SIMPLE IRA Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
You might also need
401(k) Calculator
Calculate your 401(k) balance at retirement with employer match, contribution limits, and growth projections. Compare Roth vs Traditional.
Roth IRA Calculator
Calculate Roth IRA growth projections, tax-free withdrawals, and compare to Traditional IRA. 2026 contribution limits included.
Roth Conversion Calculator
Calculate the tax impact of converting a Traditional IRA to Roth. See break-even year and multi-year tax projections.