Roth IRA Calculator

Name: Roth IRA Calculator
Author: Jitendra Kumar

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

Age

Retirement Age

Filing Status

Modified AGI

Taxable Compensation

Roth IRA contributions cannot exceed taxable compensation.

Other IRA Contributions

Traditional IRA and other Roth IRA contributions for the same tax year.

Planned Roth Contribution

Current Roth Balance

Annual Return Assumption

Enter your 2026 Roth IRA profile to estimate contribution eligibility and long-term Roth balance.

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.

Reviewed For Methodology, Labels, And Sources

Every CalculatorWallah calculator is published with visible update labeling, linked source references, and founder-led review of formula clarity on trust-sensitive topics. Use results as planning support, then verify institution-, policy-, or jurisdiction-specific rules where they apply.

Reviewed By

Jitendra Kumar, Founder & Editorial Standards Lead, oversees methodology standards and trust-sensitive publishing decisions.

Review editor profile

Topic Ownership

Sales tax and tax-sensitive estimate tools, Education and GPA planning calculators, Health, protein, and screening-formula pages, Platform-wide publishing standards and methodology

See ownership standards

Methodology & Updates

Page updated May 2026. Trust-critical pages are reviewed when official rates or rules change. Evergreen calculator guides are checked on a recurring quarterly or annual cycle depending on topic volatility.

Sources & methodology About the review process

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

For 2026, the combined traditional IRA and Roth IRA contribution limit is $7,500, or $8,600 if you are age 50 or older. Your limit can also be reduced by taxable compensation, other IRA contributions, and Roth IRA income phase-out rules.

Roth IRA eligibility is based on modified adjusted gross income (MAGI), not gross income. MAGI can differ from adjusted gross income because some deductions and exclusions are added back.

For 2026, the Roth IRA phase-out range is $153,000 to $168,000 for single and head-of-household filers, $242,000 to $252,000 for married filing jointly, and $0 to $10,000 for married filing separately.

Yes. The annual IRA contribution limit applies across all traditional and Roth IRAs combined. If you already contributed to a traditional IRA for the same tax year, that reduces the remaining Roth IRA contribution room.

Generally no. IRA contributions cannot exceed taxable compensation for the year. Spousal IRA rules may allow contributions based on a spouse's compensation when filing jointly, but this calculator uses the taxable compensation amount you enter.

No. The projection uses a fixed annual return assumption and end-of-year contributions. Real returns, tax rules, income, contribution limits, and investment fees can change.