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.
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