Roth IRA Calculator 2026: Contribution Limit, Phase-Out and Growth

Check how much you can put into a Roth IRA for 2026 and what it could grow to by retirement. A single filer aged 35 with modified AGI of $90,000 can contribute the full $7,500. Investing that every year for 30 years at a 6% annual return grows to about $592,936, of which $367,936 is growth you can withdraw tax-free in retirement.

2026 Roth IRA contribution limits

The IRS raised the IRA limit to $7,500 for 2026, and the age-50 catch-up became $1,100 after SECURE 2.0 tied it to inflation. The limit is shared: everything you put into traditional and Roth IRAs for the year together can’t go over it, and it can’t be more than your taxable compensation. You can make 2026 contributions until your federal filing deadline in April 2027, not counting extensions.

2026 income phase-out ranges

The single and joint ranges rose from $150,000–$165,000 and $236,000–$246,000 in 2025. The married-filing-separately range is fixed by law and doesn’t change.

How the reduced limit is worked out

If your modified AGI falls inside the range, the calculator follows Worksheet 2-2 in IRS Publication 590-A:

1. Subtract the bottom of the range from your MAGI and divide by the width of the range ($15,000 for single filers, $10,000 for the others). Round to three decimal places.
2. Multiply your full limit ($7,500, or $8,600 at 50 or older, or your compensation if lower) by that fraction and subtract the result from the full limit.
3. Round up to the next $10. If the answer is under $200, you can still contribute $200.
4. Finally, take off anything you already put into traditional IRAs for the year.

Example: a single filer aged 35 with MAGI of $160,000. (160,000 − 153,000) ÷ 15,000 = 0.467; $7,500 × 0.467 = $3,502.50; $7,500 − $3,502.50 = $3,997.50, which rounds up to a $4,000 limit.

For joint filers the limit drops by $750 for every $1,000 of MAGI above $242,000: $6,000 at $244,000, $4,500 at $246,000 and $1,500 at $250,000.

What a Roth IRA could grow to

Roth contributions are made with money that has already been taxed, so there is no deduction now. In return, a qualified distribution is tax-free: it has to come at least five years after the first year you contributed to a Roth IRA, and generally after you reach 59½. You can always take out your own contributions, but early withdrawals of earnings can be taxed and penalized.

Things to keep in mind

• MAGI for Roth purposes is your adjusted gross income without any income from Roth conversions, with some excluded income (such as foreign earned income) added back. Worksheet 2-1 in Publication 590-A walks through it.
• Spousal IRA: a married couple filing jointly can each contribute based on their combined compensation, even if only one of them works.
• Too much in? Excess contributions are taxed at 6% a year until you take them out. Withdrawing the excess and its earnings by the due date of your return, including extensions, avoids the tax.
• Above the range? You can’t contribute directly, but you can still contribute to a traditional IRA and later convert it. Talk to a tax professional about how the pro-rata rule affects a conversion if you already have pre-tax IRA money.
• The projection keeps your contribution the same every year. In reality the limit is adjusted for inflation and rises at 50, and returns go up and down.

FAQ

Can I have a Roth IRA and a 401(k) at the same time?

Yes. The IRA limit is separate from the 401(k) limit, which is $24,500 for 2026 ($32,500 at 50 or older). Contributing to a workplace plan doesn’t change your Roth IRA limit; only your income does.

What counts as taxable compensation?

Wages, salaries, tips, commissions, bonuses and net earnings from self-employment. Investment income, rental income, pensions and Social Security don’t count, so a retiree with no earnings can’t contribute.

Is there an age limit for Roth IRA contributions?

No. As long as you have taxable compensation and your income is under the limit, you can contribute at any age. Roth IRAs also have no required withdrawals during the owner’s lifetime.

What happens if my income ends up in the phase-out range?

Your limit for the year is reduced as shown above. If you already contributed more, take out the excess and its earnings before your return’s due date, or recharacterize it as a traditional IRA contribution.

Related calculators

• 401(k) Contribution Calculator2026 401(k) limits and employer match
• Compound Interest CalculatorTest other returns and time periods
• Federal Income Tax Calculator 2026Your 2026 bracket and tax bill

Sources

• IRS: 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500 (IR-2025-111) · November 13, 2025
• IRS Notice 2025-67: 2026 amounts relating to retirement plans and IRAs · PDF
• IRS Publication 590-A: Contributions to IRAs · Worksheet 2-2
• IRS Publication 590-B: Distributions from IRAs · qualified distributions
• IRS: Roth IRAs