Index card · Retirement
401(k), IRA and Roth calculators
Nine account-level calculators on 2026 limits: $24,5002026 · IRS for workplace plans and $7,5002026 · IRS for IRAs.
Each plan type has its own rules: 403(b) service catch-ups, 457(b) special catch-ups, solo 401(k) employer contributions. Separate calculators keep each one accurate, and the Roth tools handle the most common tax decision in the group.
401(k) / 403(b) / 457
how much should I contribute to my 401k to get the full match
403(b) Savings
can I contribute more to my 403b after 15 years
457(b) Plan
how much can I put in my 457 before I retire
Solo 401(k)
how much can I put in a solo 401k as a freelancer
Traditional IRA
should I put money in an IRA before I file my taxes
Roth IRA
is a roth ira worth it
Roth vs. Traditional
should I choose roth or traditional 401k
Roth Conversion
should I do a roth conversion this year
Should I Borrow From My 401(k)?
is it a good idea to borrow from my 401k
When account questions peak
Roth IRA
New Year, and for young earners, the first real job. “is a roth ira worth it”
Traditional IRA
Early April, before the filing deadline. “should I put money in an IRA before I file my taxes”
Should I Borrow From My 401(k)?
Whenever cash runs short, often mid-year. “is it a good idea to borrow from my 401k”
403(b) Savings
Late summer, before the school year starts. “can I contribute more to my 403b after 15 years”
457(b) Plan
Three years out from a public-sector retirement date. “how much can I put in my 457 before I retire”
401(k) / 403(b) / 457
Open enrollment and the first January paycheck. “how much should I contribute to my 401k to get the full match”
Solo 401(k)
November and December, while there's time to open a plan. “how much can I put in a solo 401k as a freelancer”
Roth vs. Traditional
Open enrollment, when the Roth 401(k) box appears. “should I choose roth or traditional 401k”
Roth Conversion
November, with the December 31 deadline ahead. “should I do a roth conversion this year”
401(k), IRA & Roth: questions firms ask
Do the account calculators apply the 2026 catch-up rules?
Yes: $8,0002026 · IRS at 50 and $11,2502026 · IRS at ages 60 to 63 where the plan allows it.
Is there a calculator for self-employed retirement plans?
Yes, the solo 401(k) calculator, with the $72,0002026 · IRS combined limit.
Does the Roth conversion calculator show the tax cost?
Yes, at the marginal rate the client enters, and compares the converted and unconverted outcomes.
Can a client check whether to borrow from a 401(k)?
Yes, the borrow-from-plan calculator compares a loan with other options; loans are limited to the lesser of $50,000 or 50% of the vested balance, repaid within 5 years (longer for a primary home)2026 · IRS.
Do the IRA calculators check income limits?
They flag contribution limits; Roth income phase-outs and deductibility limits are noted as items to confirm with the firm.
Which account calculators suit CPA firms?
Solo 401(k), Roth conversion and the contribution-effect calculator; all have direct tax consequences.
Are limits enforced in the calculators?
They are flagged when exceeded rather than blocked, so the client sees the issue.
Which plan includes them?
Every plan, including free Practitioner (up to 5 calculators at once).
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