Roth IRA Calculator
Roth IRA contribution limit for 2026: $7,500, or $8,600 at 50 or older. Check yours against the income phase-out and project the balance at retirement. How it works
Use the Roth IRA Calculator
About the Roth IRA Calculator
For 2026 the Roth IRA contribution limit is $7,500, or $8,600 from age 50, and it phases out between $153,000 and $168,000 of modified AGI for single filers and between $242,000 and $252,000 for joint filers. The Roth IRA calculator checks a contribution against the IRS limits for 2024 to 2026 and projects a balance: $7,000 a year from age 30 to 65 at 7%, on top of $10,000, reaches $1,074,424.
Roth IRA contribution limits and income phase-out ranges, 2024 to 2026
| Tax year | Limit under 50 | Limit at 50 or older | Single or head of household | Married filing jointly | Married filing separately |
|---|---|---|---|---|---|
| 2024 | $7,000 | $8,000 | $146,000 to $161,000 | $230,000 to $240,000 | $0 to $10,000 |
| 2025 | $7,000 | $8,000 | $150,000 to $165,000 | $236,000 to $246,000 | $0 to $10,000 |
| 2026 | $7,500 | $8,600 | $153,000 to $168,000 | $242,000 to $252,000 | $0 to $10,000 |
The limit is the total for all your traditional and Roth IRAs and cannot be more than your taxable compensation. The ranges are modified AGI: below the range the full limit applies, inside it the limit is reduced, and at the top or above it no contribution is allowed. The married-filing-separately range applies if you lived with your spouse at any time in the year. If you lived apart all year, the single range applies. Figures from the IRS announcements for each year.
Reduced 2026 limit inside the phase-out range
| Modified AGI, single or head of household | Limit under 50 | Limit at 50 or older |
|---|---|---|
| $153,000 | $7,500 | $8,600 |
| $156,000 | $6,000 | $6,880 |
| $159,000 | $4,500 | $5,160 |
| $162,000 | $3,000 | $3,440 |
| $165,000 | $1,500 | $1,720 |
| $167,000 | $500 | $580 |
| $168,000 | $0 | $0 |
By IRS Publication 590-A, Worksheet 2-2: the limit falls in step with how far the income is into the $15,000 range, is rounded up to the next $10, and is never less than $200 until the top of the range. At $167,900 the limit is $200.
What $7,500 a year grows to
| Annual return | 10 years | 20 years | 30 years | 40 years |
|---|---|---|---|---|
| 5% | $94,334 | $247,995 | $498,291 | $905,998 |
| 7% | $103,623 | $307,466 | $708,456 | $1,497,263 |
| 9% | $113,947 | $383,701 | $1,022,307 | $2,534,118 |
No starting balance, $7,500 added at the end of each year, growth compounded once a year, whole dollars. Contributions total $75,000, $150,000, $225,000 and $300,000. The contribution is held at $7,500 throughout, although the IRS adjusts the limit over time. Fixed returns for illustration, not a forecast.
Frequently asked questions
- How much can I contribute to a Roth IRA in 2026?
- $7,500 if you are under 50 and $8,600 if you are 50 or older, provided your taxable compensation is at least that much and your income is below the phase-out range. For 2024 and 2025 the limit was $7,000, or $8,000 from age 50. The limit covers traditional and Roth IRAs together.
- What is the income limit for a Roth IRA in 2026?
- A single filer or head of household can make the full contribution with a modified AGI up to $153,000 and none at $168,000 or more. For married couples filing jointly the range is $242,000 to $252,000. For married filing separately it is $0 to $10,000 if you lived with your spouse at any time in the year. If you did not, IRS Publication 590-A puts you in the single range.
- How is the reduced Roth IRA contribution calculated?
- By IRS Worksheet 2-2. Take how far your modified AGI is into the range, divide by the width of the range ($15,000, or $10,000 for joint and married-separate filers) and cut the limit by that share. Round up to the next $10, with a floor of $200. A single filer under 50 with $160,500 in 2026 is halfway through the range, so the limit is $3,750.
- How much will a Roth IRA be worth in 30 years?
- Contributing $7,500 at the end of every year with a 7% return gives $708,456 after 30 years, from $225,000 of contributions. At 5% it is $498,291 and at 9% it is $1,022,307.
- Are Roth IRA withdrawals tax-free?
- Qualified distributions are. IRS Publication 590-B defines one as made after the 5-year period that begins with the first tax year you contributed to a Roth IRA, and on or after age 59½, because of disability, after death, or for a first home up to a $10,000 lifetime limit. Tick Compare with a taxable account to see what that is worth: with the defaults, $819,424 of gains taxed once at 15% would cost $122,913.60, leaving $951,510.40 in a taxable account against $1,074,424 in the Roth.
- What happens if I contribute more than the Roth IRA limit?
- The calculator shows a warning when the yearly contribution is above your limit. IRS Publication 590-A applies a 6% excise tax to an excess Roth IRA contribution. A contribution you withdraw, together with any earnings on it, by the due date of your tax return including extensions is treated as never made.
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