Roth IRA Calculator
Estimate 2026 Roth IRA contribution eligibility, income phase-out impact, catch-up room, excess contribution risk, and projected Roth balance.
Last Updated: May 2026
2026 Roth IRA Estimate
This calculator uses IRS 2026 IRA contribution limits and Roth IRA income phase-out ranges. It is a planning estimate, not tax advice.
Roth IRA Eligibility
Estimate your 2026 Roth IRA contribution room and retirement value
Load a sample profile or enter age, filing status, MAGI, taxable compensation, existing IRA contributions, planned Roth contribution, balance, and return assumption.
Roth IRA Inputs
Roth IRA contributions cannot exceed taxable compensation.
Traditional IRA and other Roth IRA contributions for the same tax year.
Roth IRA Calculator Disclaimer
This calculator is an educational estimate, not tax, legal, investment, or financial advice. Roth IRA eligibility can depend on exact MAGI calculations, compensation, filing details, spousal IRA rules, contribution timing, and future IRS updates.
Professional Review Status
This YMYL page has internal methodology review, but no external credentialed professional review is recorded yet.
- Reliance status
- Credentialed finance review required before advice-like claims
- Required credentials
- CFP professional, CFA charterholder, CPA, licensed financial professional
- Review scope
- assumptions, amortization logic, risk language, offer-comparison language, affordability guidance, and disclosure placement
Current reviewer: Laxman Kumawat, Internal finance formula and engineering methodology reviewer (Electrical and power-system related certifications).
This page provides educational estimates, not individualized financial advice, lending advice, investment advice, or a product recommendation.
Finance credentialed review: professional reliance limit
This page provides educational estimates, not individualized financial advice, lending advice, investment advice, or a product recommendation. Results should be treated as a preliminary estimate, not a filing instruction, diagnosis, product recommendation, eligibility decision, or compliance sign-off. Required professional review: CFP professional, CFA charterholder, CPA, licensed financial professional. Source expectation: Review should cite official lender, regulator, tax, or standards-body sources when the calculator depends on external rules.
Checked by Laxman Kumawat
Roth IRA Calculator is checked for formula labels, source links, and result limits.
Laxman Kumawat, Finance & Engineering Calculator Owner. Updated May 2026. Scope: financial calculators.
Finance credentialed review: Named internal reviewer: Laxman Kumawat, Finance & Engineering Calculator Owner. External credentialed professional review is still required before this page is treated as professional advice.
Internal finance formula and engineering methodology reviewer. Review scope: calculator formulas, input labels, rate assumptions, scenario workflows, and user-facing limitations.
Credentials on file: Electrical and power-system related certifications.
Relevant review context: Professional background across engineering, sustainability, and energy-efficiency work; CalculatorWallah finance and engineering calculator owner.
Required professional credentials: CFP professional, CFA charterholder, CPA, licensed financial professional. Scope: assumptions, amortization logic, risk language, offer-comparison language, affordability guidance, and disclosure placement.
This page provides educational estimates, not individualized financial advice, lending advice, investment advice, or a product recommendation.
How to Use This Calculator
Step 1: Enter age and filing status
Use your age by the end of the tax year and the filing status used for federal income tax purposes.
Step 2: Enter MAGI and taxable compensation
Roth IRA eligibility depends on modified AGI, while IRA contributions cannot exceed taxable compensation.
Step 3: Add other IRA contributions
Include traditional IRA and other Roth IRA contributions already made for the same tax year.
Step 4: Enter your planned Roth contribution
The calculator compares your planned amount with the remaining eligible Roth IRA contribution room.
Step 5: Review the projection
Use your current Roth balance, expected annual return, and retirement age to estimate future Roth IRA value.
How This Calculator Works
The calculator starts with the 2026 IRA contribution limit: $7,500, plus a $1,100 catch-up amount for age 50 or older. It then caps the contribution by taxable compensation because IRA contributions generally cannot exceed compensation.
Next, it applies the Roth IRA modified AGI phase-out range for your filing status. If MAGI is below the range, the income test allows the full compensation-limited amount. If MAGI is inside the range, the amount is reduced. If MAGI is at or above the top of the range, the calculated Roth IRA contribution room is zero.
Finally, the calculator subtracts other traditional or Roth IRA contributions already made for the same tax year. The projection then grows your current Roth balance and the eligible planned contribution through the selected retirement age.
What You Need to Know
1) 2026 Roth IRA Contribution Limits
Roth IRA contributions share the same annual IRA limit as traditional IRA contributions. That means the dollar limit is not separate for each account. If you split contributions between a traditional IRA and a Roth IRA, the combined total has to fit inside the annual IRA limit and your taxable compensation.
| Amount or rule | What it means | Planning note |
|---|---|---|
| $7,500 | 2026 regular IRA contribution limit | Applies across traditional and Roth IRAs combined |
| $1,100 | 2026 IRA catch-up contribution | Available for age 50 or older by year-end |
| $8,600 | 2026 total IRA limit for age 50+ | Regular limit plus catch-up amount |
| Taxable compensation | A separate cap on IRA contributions | If compensation is lower than the dollar limit, compensation controls |
| Other IRA contributions | Traditional or Roth IRA contributions for the same year | Reduce remaining Roth IRA room |
2) Roth IRA Income Phase-Out Ranges
Roth IRA eligibility uses modified adjusted gross income and filing status. The phase-out range does not change the annual IRA limit itself; it reduces how much of that limit can go into a Roth IRA.
| Filing status | 2026 Roth IRA phase-out range | Result |
|---|---|---|
| Single | $153,000 to $168,000 | Full contribution below the range, none at or above the top |
| Head of household | $153,000 to $168,000 | Same range as single filers for 2026 |
| Married filing jointly | $242,000 to $252,000 | Joint MAGI controls Roth IRA eligibility |
| Married filing separately | $0 to $10,000 | Range remains narrow and is often restrictive |
3) Roth IRA Growth Projection
The projection is intentionally simple. It grows your current Roth balance by the annual return assumption, then adds the eligible annual contribution at the end of each year. This makes the estimate useful for scenario planning without pretending to forecast market returns.
For broader retirement planning with workplace savings, use the 401(k) / retirement calculator. For pure compound-growth scenarios without Roth IRA eligibility rules, use the compound interest calculator.
4) Common Roth IRA Planning Mistakes
The most common mistakes are using gross income instead of MAGI, forgetting that traditional IRA contributions reduce remaining IRA room, ignoring taxable compensation, and assuming a planned contribution is allowed after income enters the phase-out range. A tax professional can help when MAGI, spousal IRA rules, recharacterizations, or excess contribution corrections are involved.
Keep the research moving with 401(k) / Retirement Calculator, Compound Interest Calculator, Present Value / Future Value Calculator, and Savings Calculator.
Frequently Asked Questions
Related Calculators
401(k) / Retirement Calculator
Project workplace retirement savings with employee contributions, employer match, vesting, and inflation.
Use 401(k) / Retirement CalculatorCompound Interest Calculator
Model long-term investment growth with recurring contributions and compounding assumptions.
Use Compound Interest CalculatorPresent Value / Future Value Calculator
Move retirement targets forward or backward through time with present value and future value math.
Use Present Value / Future Value CalculatorSavings Calculator
Estimate goal savings, required monthly deposits, and interest growth.
Use Savings CalculatorRelated Guides
Sources & References
- 1.IRS - Retirement topics: IRA contribution limits(Accessed May 2026)
- 2.IRS - 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500(Accessed May 2026)
- 3.IRS - Roth IRAs(Accessed May 2026)