Roth IRA Calculator
Calculates 2026 Roth IRA contribution room from IRS limits, MAGI phase-out rules, and other IRA plans, then projects the balance to your target age.
Roth IRA Calculator
A USD-based calculator that first works out how much you can newly contribute to a Roth IRA under 2026 IRS rules, then projects your balance through your target age using your current balance and expected return.
- Core combined IRA limit: $7,500
- Age 50+ catch-up: $1,100 → maximum $8,600
- Traditional IRA and Roth IRA share the same annual combined limit
- For reduced contributions, apply the IRS method with rounding up to the next $10 and a $200 minimum limit
- The large number at the top is the maximum new Roth IRA contribution available for 2026.
- Applied contribution is the amount actually used in the projection after comparing your target contribution with the allowed limit.
- Projected balance at target age is the long-term outcome under the simple assumption that you contribute the same amount every year on top of your current balance.
- Planned contributions to other IRAs means money you expect to put into non-Roth IRAs such as a Traditional IRA, which reduces your remaining Roth room.
Check your inputs and calculate again.
Calculates this year’s Roth IRA room from your filing status, MAGI, taxable compensation, and planned contributions to other IRAs.
| Age | Annual contribution | Cumulative contributions | Investment growth | Year-end balance |
|---|---|---|---|---|
| Loading the default example. | ||||
What is a Roth IRA calculator?
A Roth IRA calculator helps you estimate how much you can newly contribute for 2026 and then pairs that result with a long-term balance projection based on your current account value and expected return. Unlike a Traditional IRA, a Roth IRA generally gives up the upfront deduction in exchange for potentially tax-free qualified withdrawals of both contributions and earnings. That makes it useful to see the current-year contribution limit and the long-run growth picture together.
This tool combines your filing status, 2026 MAGI, IRA-eligible taxable compensation, and planned contributions to other IRAs to calculate your current-year Roth IRA contribution room. It then uses the allowed contribution and your current balance to show a target-age projection, a present-value view in today’s dollars, and a year-by-year schedule so you can answer both “How much can I contribute this year?” and “What could that amount become over time?” on one page.
When this tool is useful
Roth IRA contribution room changes with your income band and also shares the annual combined limit with Traditional IRA contributions. It is common to assume you can put in the full $7,500 and then discover that the phase-out range or planned Traditional IRA contributions reduce the actual amount allowed. This calculator is designed for users who want to check the real contribution room first, based on current income and filing status.
- When you want to confirm whether you can make the full Roth IRA contribution for 2026
- When you want to see whether your MAGI puts you into the partial phase-out range
- When you plan to fund a Traditional IRA too and want to know how much Roth room is left
- When you want a quick answer for the age-50+ catch-up limit
- When you want to see what today’s allowed contribution could grow into by your target age
Key features
This calculator puts the current-year limit check and the long-run growth projection on the same screen. Instead of only telling you “allowed” or “not allowed,” it breaks the result into the base limit, the compensation cap, the income-based reduction, and the subtraction for other IRA contributions so you can see exactly why the final number changed. The charts, table, and Excel export also make it easy to use before a planning meeting or tax review.
- Reflects 2026 IRS Roth IRA rules – Applies the base limit, the age-50+ catch-up, and filing-status phase-out ranges
- Reflects the combined IRA limit with Traditional IRA – Subtracts planned contributions to other IRAs to find final Roth room
- Long-term growth chart – Shows the projected balance through your target age using your current balance and applied contribution
- Balance breakdown – Separates current balance, total contributions, and investment growth
- Year-by-year schedule and Excel export – Lists annual contributions, cumulative contributions, investment growth, and year-end balance by age
- Over-contribution check – Shows the excess amount right away if your target contribution is above the allowed limit
How to use it
Start with your current age, target age, and current Roth IRA balance. Then enter your 2026 MAGI, filing status, IRA-eligible taxable compensation, and planned contributions to other IRAs. After that, set the contribution you want to make this year along with your expected return and inflation assumptions. The clearest way to read the output is to check the allowed contribution first, then look at the applied contribution and the projected balance at your target age.
- Enter the basics – current age, target age, and current Roth IRA balance.
- Set the 2026 income details – filing status, MAGI, IRA-eligible taxable compensation, and planned contributions to other IRAs.
- Enter your desired contribution – the tool automatically compares it with the allowed limit.
- Adjust growth assumptions – use expected return and inflation to model the target-age scenario.
- Read the result in order – allowed contribution this year → applied contribution → projected balance at target age → year-by-year schedule.
Key rules behind the 2026 Roth IRA calculation
According to the IRS 2026 IRA contribution limits, the combined annual base limit for Traditional IRA and Roth IRA contributions is $7,500. If you are 50 or older by year-end, you can add a $1,100 catch-up contribution for a maximum of $8,600. Roth IRA contributions also have separate income limits by filing status and MAGI, and the allowed amount phases down across those ranges. For 2026, the phase-out range is $242,000–$252,000 for married filing jointly, $153,000–$168,000 for single, head of household, and MFS while living apart all year, and $0–$10,000 for MFS while living with a spouse.
When you fall into a phase-out range, the allowed contribution is calculated using the reduced Roth IRA contribution worksheet approach from IRS Publication 590-A. This calculator uses the updated 2026 phase-out thresholds from IRS Notice 2025-67 and follows the same worksheet structure for the reduction itself. In practice, it compares the age-based limit with your taxable compensation first, then applies the income-based reduction, and finally subtracts planned contributions to other IRAs to find the final Roth IRA amount available.
The long-term projection uses a simple assumption: you keep contributing the currently allowed amount every year. In real life, future MAGI, filing status, IRS limit changes, available cash flow, and rules such as the 5-year rule can change the result. Treat the projection as a planning reference, and confirm the final tax treatment or any excess-contribution correction with your IRA custodian and a tax professional. If you want to compare this with other US retirement planning tools, you can also use the 401k Calculator, the Compound Interest Calculator, or the Retirement Fund Calculator. The official rule references are the IRS IRA contribution limits, Notice 2025-67, and Publication 590-A.
| Item | 2026 rule | How this calculator applies it |
|---|---|---|
| Core combined IRA limit | $7,500 | Applied first as the annual combined limit across Traditional IRA and Roth IRA |
| Age 50+ catch-up | $1,100 | Uses a maximum annual limit of $8,600 when you are 50 or older by year-end |
| Single / head of household phase-out | $153,000~$168,000 | Reduces the limit inside the range using the IRS method and rounds up to the next $10 |
| Joint return phase-out | $242,000~$252,000 | Applies either a reduced amount or no contribution based on the joint-return range |
| MFS while living with spouse | $0~$10,000 | Treats any MAGI above $0 as entering the reduction range |
Frequently asked questions
What is the difference between MAGI and AGI?
Roth IRA income limits are based on MAGI, not your plain AGI. MAGI may add back items such as the IRA deduction, student loan interest deduction, or the foreign earned income exclusion, so it is not always identical to the AGI on your tax return. The most accurate approach for this tool is to enter your final MAGI estimate directly.
What happens to my Roth IRA limit if I also contribute to a Traditional IRA?
Traditional IRA and Roth IRA contributions share the same annual combined limit. For example, if you are under age 50 in 2026 and the total limit is $7,500, contributing $2,000 to a Traditional IRA leaves only the remaining room for Roth IRA contributions. That is exactly what the “planned contributions to other IRAs” field is designed to reflect.
Why does the limit drop so quickly for married filing separately?
If you file MFS while living with your spouse at any point during the year, the Roth IRA phase-out range is only $0 to $10,000. That means even a small amount of MAGI can trigger a reduction, and $10,000 or more usually means no new Roth IRA contribution. If you lived apart from your spouse for the entire year, the single/head-of-household range applies instead.
Why is the reduced contribution rounded up to the next $10?
IRS Publication 590-A says the reduced Roth IRA contribution should be rounded up to the next $10, not rounded down. It also says that if the reduced contribution is more than $0 but less than $200, you use a minimum allowed contribution of $200. This calculator follows the same rule.
What assumptions does the long-term projection use?
The long-term projection assumes you keep contributing the currently allowed Roth IRA amount every year. It does not re-model future MAGI, filing status, IRS limit increases, account fees, or asset-allocation changes, so the long-run figures are best treated as a broad planning scenario rather than a guaranteed forecast.
Can I really withdraw Roth IRA money tax-free later?
Roth IRA withdrawals can be tax-free for both contributions and earnings if you meet the qualified-withdrawal rules, but you generally still need to check requirements such as the age 59.5 rule and the 5-year rule. This calculator focuses on contribution eligibility and long-term growth, so the actual tax and penalty treatment of withdrawals should be reviewed separately at the time you plan to take money out.
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