Roth IRA Calculator

See the 2026 Roth IRA contribution after the income phaseout, then project growth. An estimate, not tax advice.

Filing status *

Modified AGI ($) *

Age at the end of 2026 *

Taxable compensation ($) *

Other IRA contributions ($)

Current balance ($)

Annual return (%) *

Years *

Smart Tips

• The 2026 base limit is $7,500. Age 50 or older adds $1,100. There is no extra age 60–63 catch-up on an IRA.

• Inside the phaseout, the worksheet rounds the ratio to three decimals, subtracts that share of the limit, then rounds the remainder up to the next $10.

• A reduced amount above $0 and below $200 becomes $200. Once modified AGI reaches the top of the range, the contribution is $0.

• Qualifying surviving spouse uses the joint dollar range. Married filing separately uses $0 to $10,000 only if you lived with your spouse.

The Formula

Allowed = limit − (rounded ratio × limit), then round up to $10

Limit Lesser of the cap and compensation
$7,500, or $8,600 at age 50 or older

Ratio (MAGI − floor) ÷ range
Rounded to three decimal places

Floor rule More than $0 and less than $200
Enter $200

Growth End-of-year contributions
The same allowed amount each year

Publication 590-A Worksheet 2-2 for 2025 shows the steps. Its illustrated lines use a $7,000 limit and a $150,000 floor. This page keeps those steps and substitutes the 2026 dollars from IRS news release IR-2025-111. The 2025 worksheet illustration is not the limit printed above.

Key Insights

Compensation caps it first

You cannot contribute more than your taxable compensation, even when income is below the phaseout.

Other IRAs share the room

A traditional IRA contribution for the same year reduces what is left for the Roth.

The range is not a cliff until the top

Income inside the band reduces the contribution. Income at the ceiling ends it.

Growth assumes a flat contribution

The projection does not raise your pay or change the phaseout in later years.

2026 Roth IRA amounts used on this page

Item	Amount
Base contribution	$7,500
Catch-up, age 50 or older	$1,100, for $8,600
Single or head of household	$153,000 to $168,000
Married filing jointly	$242,000 to $252,000
Qualifying surviving spouse	Same joint range, $242,000 to $252,000
Married filing separately, lived together	$0 to $10,000
Married filing separately, lived apart all year	Single range, $153,000 to $168,000

Frequently Asked Questions

The base contribution is $7,500. Someone age 50 or older at the end of 2026 can contribute another $1,100, for $8,600. Those dollars are in IRS news release IR-2025-111. The contribution still cannot exceed taxable compensation.

Subtract the bottom of your filing-status range from modified AGI and divide by the width of the range. Round that ratio to three decimal places. Multiply it by the limit and subtract. Round the remainder up to the next $10. If the result is more than $0 and less than $200, the worksheet uses $200. At a ratio of 1 or more, the contribution is $0.

If you lived with your spouse at any time in 2026, the range is $0 to $10,000. That band is not adjusted for inflation. If you lived apart all year, Publication 590-A Table 2-1 uses the single range. This page puts the 2026 single dollars on that row: $153,000 to $168,000.

Publication 590-A groups qualifying surviving spouse with joint returns for the Roth phaseout. The 2026 news release states the joint range and does not print a separate surviving-spouse band, so this page uses $242,000 to $252,000.

No. The allowed contribution stays at this year's dollars and is added at the end of each year. A later conversion, a withdrawal, and the earnings test for a penalty are not computed. This is an estimate, not tax advice.

Tax year 2026 dollar limits come from IRS news release IR-2025-111 (13 November 2025): the IRA limit is $7,500 and the age-50 catch-up is $1,100. The phaseout method is Worksheet 2-2 in Publication 590-A (2025). The 2025 publication's own dollar amounts are not used as the 2026 limits. As of 14 October 2026, the IRS had not published 2027 IRA contribution limits or Roth phaseout ranges, so this page stays on 2026.

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Projected balance

Enter values to calculate

2026 contribution

Statutory limit

Note:This is an estimate for tax year 2026, not tax advice and not an IRA custodian's acceptance. A contribution also has to be allowed by your compensation and by any other IRA contribution you make. Filing status and modified AGI can change the result.