🏦 Roth IRA Calculator
See your 2026 Roth IRA contribution limit from your income ($7,500, or $8,600 at 50+), the exact phase-out math, and how much it could grow tax-free.
1. How much can you contribute for 2026?
Worked out as $7,500 − $7,500 × ($158,000 − $153,000) ÷ $15,000, rounded up to the next $10 (IRS Publication 590-A method).
2. How much could it grow?
Leave the yearly contribution blank to use your 2026 limit. Contributions are assumed at the start of each year.
The taxable comparison assumes the same deposits with 15% tax on growth each year. Qualified Roth withdrawals — after age 59½ and once the account is five years old — are tax-free.
Year-by-year table
| Age | Contributed | Roth balance | Taxable account |
|---|---|---|---|
| 36 | $15,000 | $16,050 | $15,893 |
| 37 | $20,000 | $22,524 | $22,136 |
| 38 | $25,000 | $29,450 | $28,750 |
| 39 | $30,000 | $36,862 | $35,758 |
| 40 | $35,000 | $44,792 | $43,183 |
| 41 | $40,000 | $53,277 | $51,050 |
| 42 | $45,000 | $62,357 | $59,385 |
| 43 | $50,000 | $72,072 | $68,216 |
| 44 | $55,000 | $82,467 | $77,573 |
| 45 | $60,000 | $93,590 | $87,486 |
| 46 | $65,000 | $105,491 | $97,989 |
| 47 | $70,000 | $118,225 | $109,116 |
| 48 | $75,000 | $131,851 | $120,906 |
| 49 | $80,000 | $146,430 | $133,398 |
| 50 | $85,000 | $162,031 | $146,632 |
| 51 | $90,000 | $178,723 | $160,655 |
| 52 | $95,000 | $196,583 | $175,511 |
| 53 | $100,000 | $215,694 | $191,251 |
| 54 | $105,000 | $236,143 | $207,928 |
| 55 | $110,000 | $258,023 | $225,598 |
| 56 | $115,000 | $281,434 | $244,318 |
| 57 | $120,000 | $306,485 | $264,153 |
| 58 | $125,000 | $333,289 | $285,167 |
| 59 | $130,000 | $361,969 | $307,432 |
| 60 | $135,000 | $392,657 | $331,022 |
| 61 | $140,000 | $425,493 | $356,015 |
| 62 | $145,000 | $460,627 | $382,496 |
| 63 | $150,000 | $498,221 | $410,552 |
| 64 | $155,000 | $538,447 | $440,277 |
| 65 | $160,000 | $581,488 | $471,771 |
What Roth IRA Calculator Does
This Roth IRA calculator answers the two questions people actually have: how much am I allowed to put in this year, and what could it grow to? The first part applies the 2026 IRS limits to your filing status, modified AGI, earned income and age, and shows the exact phase-out arithmetic when your income is in the reduction range. The second part projects your balance at retirement and compares it with the same money in a taxable account.
For 2026 the IRA contribution limit is $7,500, plus a $1,100 catch-up if you are 50 or older, for $8,600 in total. The limit is shared between traditional and Roth IRAs and can never exceed your taxable compensation for the year. Your ability to contribute to a Roth phases out as modified AGI rises: from $153,000 to $168,000 for single filers and heads of household, and from $242,000 to $252,000 for married couples filing jointly.
How to Use Roth IRA Calculator
- Choose your filing status and enter your modified AGI
- Enter your earned income and age to apply the catch-up
- Read your 2026 contribution limit and the phase-out calculation
- Enter your balance, yearly contribution, return and retirement age
- Compare the tax-free Roth balance with a taxable account, year by year
Formula Used by Roth IRA Calculator
Reduced contribution in the phase-out range
Limit = full limit − full limit × (MAGI − range start) ÷ range width, rounded up to the next $10 (minimum $200 if above zero)
Worked example
Single, age 40, MAGI $158,000.
- Range: $153,000–$168,000, width $15,000
- ($158,000 − $153,000) ÷ $15,000 = 1/3
- $7,500 × 1/3 = $2,500
- $7,500 − $2,500 = $5,000
Result: You can contribute up to $5,000 to a Roth IRA for 2026.
Growth projection
Balanceₜ₊₁ = (Balanceₜ + contribution) × (1 + r); taxable account uses r × (1 − tax rate)
Worked example
$7,500 a year for 30 years at 7%, starting from zero.
- Contributions total $225,000
- Future value of an annuity due: 7,500 × [(1.07³⁰ − 1) ÷ 0.07] × 1.07
Result: About $758,000 — over $530,000 of it tax-free growth.
2026 Roth IRA Limits
Contribution limit: $7,500, or $8,600 at age 50 or older.
| Filing status | Full contribution if MAGI is under | No direct contribution at or above |
|---|---|---|
| Single, head of household | $153,000 | $168,000 |
| Married filing jointly | $242,000 | $252,000 |
| Married filing separately (lived with spouse) | $0 | $10,000 |
Source: IRS — 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500
How to Read Your Result
Modified AGI is not your salary
For Roth purposes, MAGI starts from adjusted gross income on your return and adds back a few items, such as a traditional IRA deduction, student loan interest and excluded foreign income. Pre-tax 401(k) contributions already reduce AGI, so they can bring you under a phase-out limit.
The taxable comparison
The comparison taxes the same deposits’ growth every year at the rate you enter. Real taxable accounts are often taxed more gently — long-term capital gains rates and tax only when you sell — so read the difference as an upper bound on the Roth advantage for money you would have invested anyway.
Deadlines
You can make 2026 contributions from January 1, 2026 until the federal tax filing deadline in April 2027. Designate the year when you contribute between January and April, or the provider may apply it to the current year.
Limitations & Accuracy Notes
- Limits shown are the 2026 IRS figures; the calculator does not handle earlier years.
- Projections assume a steady return and a constant contribution. Contribution limits are indexed to inflation and usually rise over time.
- This is an estimate, not tax advice. Spousal IRAs, rollovers, conversions and the backdoor Roth have extra rules — confirm with the IRS publications or a tax professional.
Frequently Asked Questions
What is the Roth IRA contribution limit for 2026?
What are the 2026 Roth IRA income limits?
How is a reduced Roth contribution calculated?
What happens if I contribute too much?
When can I withdraw from a Roth IRA tax-free?
Is a Roth or traditional IRA better?
What if my income is too high for a Roth IRA?
References & Further Reading
- IRS — 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500 — 2026 limits, catch-up and phase-out ranges
- IRS Publication 590-A — Contributions to IRAs — Reduced contribution worksheet, $10 rounding and $200 minimum
- IRS — Retirement topics: IRA contribution limits