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401(k) & IRA Contribution Calculator

Contribution limits, catch-ups & IRA phase-outs for 2024–2026

A planning tool — not tax advice. This tool produces estimates from general rules and the numbers you enter. It is designed to orient you, not to decide for you — it cannot account for the facts that make your situation yours. Before acting on any result, speak with a qualified cross-border tax professional.

Your Information

Combined Maximum Contribution Potential

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Eligible 401(k) / 403(b) / 457(b)

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Eligible Roth 401(k)

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Fully Deductible Traditional IRA

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Eligible Roth IRA

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  • Traditional IRA deductions may not be deductible against Israeli income. Israel does not recognize US IRA contributions as a deduction from Israeli-source income.
  • Roth IRA may not be recognized as tax-exempt by Israel. Growth inside a Roth IRA may be taxable. Best to discuss with our team.
  • Israeli retirement accounts (keren pensia, keren hishtalmut, kupat gemel) are NOT US retirement accounts and do not count toward IRS contribution limits.
  • Early withdrawal penalty: 401(k) or IRA withdrawals before age 59½ generally incur a 10% US penalty plus ordinary income tax.
  • Treaty Article 20 of the US-Israel tax treaty may provide some relief for pension distributions. Consult your advisor for applicability.
  • Backdoor Roth conversions work for US federal tax purposes, but Israel may treat the conversion as a taxable event. Coordinate with both US and Israeli tax advisors.

This tool provides estimates for informational purposes only and does not constitute tax advice. Consult a qualified cross-border tax professional. © 2026 Y2J