401k / IRA Tax Savings Simulator (2026)
Enter your gross income, filing status, and annual retirement contribution to see how much federal tax you save — and what that money could grow to over time. Built on the official 2026 IRS brackets and standard deduction.
The tax saved is computed using 2026 IRS brackets (Rev. Proc. 2025-32). The future value is illustrative — it assumes a flat annual return with no fees, inflation adjustment, or taxes on withdrawal.
Not tax, legal, or financial advice
FiscTalk provides general educational information from public sources. Your tax results depend on the full set of facts, your filing history, and the jurisdiction-specific rules that shift yearly. Before filing or making decisions, consult a licensed CPA, EA, or attorney. FiscTalk is not a fiduciary and is not affiliated with the IRS or any state agency.
Sources & methodology
- IRS — Tax inflation adjustments for tax year 2026 (Rev. Proc. 2025-32) — Internal Revenue Service
- IRS Pub. 15 (Circular E), Employer’s Tax Guide 2026 — Social Security wage base $184,500 — Internal Revenue Service
- IRS Pub. 15-T (2026), Federal Income Tax Withholding Methods — Internal Revenue Service
- IRS Form 1041-ES (2026) — capital gains rate thresholds — Internal Revenue Service
- OBBBA (One Big Beautiful Bill Act), Pub. L. 119-21 — SALT, estate, QBI, QSBS, senior deduction — Internal Revenue Service
What this tool does
How to use it
- 1Enter your gross annual income and filing status.
- 2Enter the annual contribution amount you are considering.
- 3Set the number of years you plan to invest and an assumed annual return (default 7%).
- 4The calculator shows tax before and after the contribution, the tax saved, and the projected future value of the contribution stream.
Worked examples
Run the same scenario through the calculator above to verify every number — they come from the same sourced dataset.
Single filer, $90,000 income, $10,000 401(k) contribution
Married joint, $150,000 income, $15,000 contribution
What this tool does not cover
- Federal income tax only — does not include state income tax.
- Uses the standard deduction; itemized deductions will change the outcome.
- Does not model employer match, the Saver's Credit, Roth conversions, or RMDs.
- Future value is illustrative — not adjusted for inflation, fees, or taxes on withdrawal.