Start with 2026 tax information
How to use this Roth IRA calculator
- 1Enter your age, filing status, MAGI, and taxable compensation.
MAGI for Roth IRA purposes can differ from salary and adjusted gross income.
- 2Add your current balance and planned contribution.
Include traditional IRA contributions in the advanced section because the annual IRA limit is shared.
- 3Review the 2026 estimate, then test a long-term scenario.
The contribution-limit result applies to 2026. Future contributions are hypothetical and follow the entered growth assumption.
What your results mean
Full, reduced, or no direct contribution eligibility reflects the entered 2026 filing status, MAGI, compensation, age, and other IRA contributions. If the planned amount is too high, the projection uses only the estimated permitted amount for its first year.
The retirement balance is a deterministic growth scenario. The corresponding figure in today’s dollars uses the entered inflation rate, while the contribution and growth totals reconcile the nominal projected balance.
IRS worksheet method
Roth IRA limit and projection formula
- Find the age-based maximum. Start with the general IRA limit and add the age-50 catch-up when eligible.
- Apply the MAGI phaseout. The engine applies the IRS reduced-contribution worksheet to the lesser of the age-based maximum and taxable compensation, rounds the ratio to at least three decimal places, rounds the result up to the nearest $10, and applies the $200 minimum when required.
- Apply compensation and shared IRA room. The final estimate is the lesser of the rounded phaseout result and the remaining combined IRA room after other planned traditional or Roth IRA contributions are considered.
- Project the permitted contribution. The first year is capped at the lesser of the planned amount and the estimated limit. Later contributions grow by the entered assumption and use the selected beginning-of-period or end-of-period timing.
- Apply investment growth. The annual fee is subtracted from the expected return. The same engine supplies the summary, chart, and annual table.
Worked example
A single filer under age 50 with $160,500 of 2026 MAGI, adequate taxable compensation, and no other IRA contributions has an estimated reduced Roth IRA limit of $3,750 under this worksheet.
2026 Roth IRA rules used
- The general IRA contribution limit is $7,500. The age-50 catch-up is $1,100, for a maximum of $8,600 when eligible.
- The phaseout is $153,000 through $168,000 for single and head-of-household filers.
- The phaseout is $242,000 through $252,000 for married couples filing jointly and qualifying surviving spouses.
- Married filing separately while living with a spouse uses a $0 through $10,000 phaseout. Living apart for the full year uses the single range.
- Taxable compensation and other traditional or Roth IRA contributions may reduce the amount further.
Assumptions and limitations
- The 2026 limit estimate is for one person. It does not combine spouses’ individual limits.
- Future income, eligibility, and IRS limits are unknown. The projection grows the permitted first-year contribution by the visible contribution-growth assumption.
- The model does not calculate conversions, backdoor Roth transactions, five-year rules, distribution qualification, early-withdrawal penalties, state tax, or inherited-account rules.
- Returns, fees, inflation, and contribution growth stay constant in the projection. Actual markets and future contributions vary.
- For most taxpayers, a 2026 contribution is due April 15, 2027. An extension to file a tax return does not extend the IRA contribution deadline. Disaster, combat-zone, or similar relief may change the date for eligible taxpayers.
Common questions
Frequently asked questions
What is the 2026 Roth IRA contribution limit?
The general IRA limit is $7,500. An eligible person age 50 or older can add a $1,100 catch-up, for an $8,600 age-based maximum. MAGI, taxable compensation, and contributions to other traditional or Roth IRAs can reduce that amount.
How does MAGI reduce a Roth IRA contribution?
Within the applicable filing-status phaseout, the IRS worksheet reduces the lesser of the age-based maximum and taxable compensation using specific rules for rounding ratios and dollar amounts. The calculator then applies the remaining shared IRA contribution room.
How much per month reaches the annual limit?
The result divides the estimated annual Roth IRA limit by 12. It is a planning amount, not a payroll schedule or a requirement to contribute monthly.
Can I contribute to a Roth IRA if I have a 401(k)?
Participation in a 401(k) does not by itself prevent a Roth IRA contribution. Roth IRA eligibility still depends on filing status, MAGI, taxable compensation, and the shared individual IRA contribution limit.
Does the limit cover both traditional and Roth IRAs?
Yes. The annual IRA contribution limit is shared across one person’s traditional and Roth IRAs. Enter other traditional or Roth IRA contributions so the calculator can estimate the remaining Roth room.
What is the Roth IRA contribution deadline?
For most taxpayers, 2026 contributions are due April 15, 2027. An extension to file a tax return does not extend that IRA contribution deadline. Disaster, combat-zone, or similar relief may change the date for eligible taxpayers.
Are Roth IRA withdrawals always tax-free?
No. Qualified distributions may be tax-free, but qualification depends on rules this calculator does not evaluate. Consider current IRS guidance or professional tax advice before a withdrawal.
Sources
- IRS: IRA limit increases to $7,500 for 2026 (accessed July 27, 2026)
- IRS Publication 590-A: Contributions to Individual Retirement Arrangements (accessed July 27, 2026)
- IRS: Traditional and Roth IRAs (accessed July 27, 2026)
- IRS: 2026 Instructions for Forms 1099-R and 5498 (accessed July 27, 2026)