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401(k) & Roth IRA Retirement Planner 2026

A true after-tax Traditional-vs-Roth comparison — not just a balance projection. Includes 2026 IRS limits, the new SECURE 2.0 age 60-63 super catch-up and mandatory Roth catch-up rule, Roth IRA income phase-outs, an RMD estimator, employer match optimization, and worldwide support for RRSP/TFSA, Workplace Pensions/ISA, Superannuation, KiwiSaver, and EPF/NPS/PPF.

🌍 Region & Filing Profile
📋 Your Financial Snapshot
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💰 Contribution Strategy
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📈 Market & Tax Assumptions

How to Use This Calculator

  1. Pick your country/region — this sets the right currency, terminology (401k/RRSP/Pension/EPF/Super/KiwiSaver), and current contribution limits.
  2. Enter your age, salary, and existing balance — your current financial starting point.
  3. Set your contribution rate and your employer's match rate and cap — the calculator automatically applies your country's contribution limits, plus catch-up rules if you're 50+.
  4. Set your market assumptions — expected investment returns before and after retirement, and inflation.
  5. Set your current and expected retirement tax brackets — this powers the Traditional vs. Roth comparison card, which shows which account type actually nets you more after-tax spending power.
  6. Check your results — total nest egg, monthly retirement income, the Roth-vs-Traditional verdict, your RMD estimate, and (if you're a US filer) your Roth IRA income phase-out status.
  7. Export — download a PDF summary or an Excel file with the full year-by-year schedule.

Want the full explanation? Traditional vs. Roth mechanics, maximizing your employer match, 2026 contribution limits and the new SECURE 2.0 rules, Roth IRA income phase-outs and the backdoor Roth, RMDs, safe withdrawal rate and inflation, and the international terminology key are all covered in depth in our 401(k) & Roth IRA Planner Guide 2026.

This calculator provides estimates for general informational purposes only and is not financial, tax, or legal advice. Contribution limits, phase-out ranges, and RMD rules reflect published 2026 figures and may change — verify current numbers with the IRS or your local tax authority before relying on them. Consult a licensed financial advisor or tax professional for your specific situation. Last updated: July 2026.