Mandatory Roth Catch-Up Calculator

Contribution tax year 2026 2025

Your age at year-end

Last year’s Social Security (Box 3) wages from this employer

Box 3 of last year’s W-2 — not this year’s salary, not household income.

Catch-up you plan to contribute

Current federal marginal tax rate 10% 12% 22% 24% 32% 35% 37%

Expected marginal rate in retirement 10% 12% 22% 24% 32% 35% 37%

Years until you withdraw

Expected annual growth