IRA Contribution Calculator Results

We calculated your results based on the information provided. Limits may vary by tax year and age during the tax year.  

  • Roth IRAs: Contributions are subject to certain income limitations, and rules may vary depending on the contribution year.
  • Traditional IRAs: Deductibility is subject to certain income limitations in addition to plan participation. Rules may vary depending on the contribution year. 

For more information, read IRS pub. 590a 

IRA contribution calculator results Based on the information you provided, these are your potential IRA limits.
Your inputs
Tax year: —
Age: —
Filing status: —
Retirement plan: —
Household earned income: —
Modified adjusted gross income: —

Your results

Based on your income and/or employer plan coverage, your tax-deductible IRA contributions may be limited.  

Based on your inputs, you may be eligible for the maximum contribution allowed for a Roth IRA and/or make a tax-deductible contribution to a Traditional IRA.

While you may not be able to contribute to a Roth IRA or make a tax-deductible Traditional IRA contribution, you may consider making a non-deductible Traditional IRA contribution then completing a backdoor Roth conversion.  

Age notification

You indicated that you will be at least 50 years old by the end of the selected contribution year, therefore, a $1,000 catch-up contribution has been applied.

Roth IRAs

You may be eligible to contribute up-to:

$—

Traditional IRAs

You may be eligible to deduct up-to:

$—

You may be eligible to contribute up-to:

$—
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This IRA contribution calculator is intended for general informational purposes only. It may not be suitable for individuals who are receiving Social Security benefits, have taxable compensation, contribute to a traditional IRA, or are covered by an employer plan, either personally or through a spouse. Please consult with a financial advisor to understand how these factors may affect your IRA contributions.

This IRA contribution calculator is intended for general informational purposes only. It may not be suitable for individuals who are receiving Social Security benefits, have taxable compensation, contribute to a traditional IRA, or are covered by an employer plan, either personally or through a spouse. Please consult with a financial advisor to understand how these factors may affect your IRA contributions. See all disclaimers

Save for your future your way. Owning a Vanguard IRA® means you get flexibility.

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All investing is subject to risk, including the possible loss of the money you invest.  The information provided is general and educational in nature and should not be considered investment, tax and/or legal advice. We recommend that you consult a tax and/or legal advisor about your individual situation.

The tool considers contributions to IRAs only.  It does not consider small business retirement plans. We also make no consideration of IRAs you have outside of Vanguard, and whether you have a made a contribution in the tax year you selected.

When taking withdrawals from an IRA before age 59½, you may have to pay ordinary income tax plus a 10% federal penalty tax. Withdrawals from a Roth IRA are tax-free if you are over age 59½ and have held the account for at least five years; withdrawals taken prior to age 59½ or five years may be subject to ordinary income tax or a 10% federal penalty tax, or both. (A separate five-year period applies for each conversion and begins on the first day of the year in which the conversion contribution is made.)