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SIMPLE IRA Contribution Calculator (2026 Limits and Employer Match)

What does this come to under the current IRS rules?

Employee deferral with catch-up for the age band, plus the employer match or the 2 percent nonelective contribution.

  • Runs in your browser
  • Nothing stored or sent
  • Free, no sign-up
Your figures
Example figuresIllustrative only. Type over them with your own.
Total into the account
$17,400
Employee deferral plus employer contribution
Employee deferral limit
$21,000
Employee deferral allowed
$15,000
Drawn to one scale
Employee deferral limit$21,000
Employee deferral allowed$15,000
Employer contribution$2,400
Total into the account$17,400
All results
MeasureResult
Employee deferral limit$21,000
Employee deferral allowed$15,000
Employer contribution$2,400
Total into the account$17,400
How this was worked out
Work shownrecomputed as you type
Limit = $17,000 ($18,100 applicable plan) + catch-up for age
Match = min(deferral, 3% x compensation); nonelective = 2% x compensation up to $360,000

Illustrative arithmetic on the figures you enter. Check the result against your firm's methodology before relying on it.

The formulas

  • Limit = $17,000 ($18,100 applicable plan) + catch-up for age
  • Match = min(deferral, 3% x compensation); nonelective = 2% x compensation up to $360,000

How it works

Tax year: 2026.

The 2026 SIMPLE deferral limit is $17,000 ($18,100 in certain applicable plans). The age 50 catch-up is $4,000 ($3,850 in applicable plans), and $5,250 for ages 60 to 63. The employer must either match dollar for dollar up to 3 percent of compensation or make a 2 percent nonelective contribution for every eligible employee, with compensation capped at $360,000 for the 2 percent contribution.

Enter age at year end and compensation. The tool returns the maximum deferral allowed, the employer amount and the total.

Illustrative figures only. Check the result against your firm's methodology before relying on it.

Common questions

What is the 2026 SIMPLE limit?

$17,000, plus the catch-up for your age.

What are the employer options?

A match up to 3 percent of compensation, or 2 percent of compensation for all eligible employees.

What is an applicable plan?

A plan that qualifies for the higher $18,100 limit under the IRS notice.

Sources

Runs in your browser. The figures you type are not sent to CORAA or stored. Check the result against your firm's methodology before relying on it.

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