2026 contribution limits
For tax year 2026, the IRA contribution limit used here is $7,500. If you are age 50 or older, the calculator adds the $1,100 catch-up contribution.
2026 limitsrothiraestimator.com
Roth IRA estimator
Estimate how your Roth IRA could grow by retirement, compare a max-contribution scenario, and check whether your income may phase out direct contributions.
Roth IRA calculator guide
How this Roth IRA estimator works
This Roth IRA estimator projects a future account balance from your current age, retirement age, current Roth IRA balance, planned contributions, contribution frequency, expected annual return, and income eligibility inputs. It also compares your plan with a max-contribution scenario so you can see the potential impact of using the full estimated Roth IRA contribution limit.
The projection compounds once per year and applies contributions at year end. That keeps the calculation transparent and easy to compare, but it is still an estimate. Real returns, contribution timing, inflation, tax rules, and personal eligibility can all change the outcome.
Income phase-out ranges
Direct Roth IRA contributions may be reduced when modified AGI falls inside the IRS phase-out range for your filing status. Married filing separately has different treatment depending on whether you lived with your spouse during the year.
Inflation-adjusted estimates
Turning on today-dollar results discounts future balances with a 3% annual inflation assumption. Nominal future dollars are shown when the toggle is off.
Not financial advice
This free calculator is for education and planning. Roth IRA eligibility can depend on taxable compensation, other IRA contributions, and other tax details, so confirm your situation before contributing.
Roth IRA contribution sources
The contribution and phase-out logic is labeled by tax year because IRS limits can change. Use the official IRS pages below when you need the source rules behind the Roth IRA calculator.
Last updated June 7, 2026. Contribution limits and phase-out ranges are labeled for tax year 2026; always confirm current rules before making a contribution.
How much can I contribute to a Roth IRA in 2026?
For tax year 2026, the IRA contribution limit is $7,500. People age 50 or older can add a $1,100 catch-up contribution, for a total of $8,600, subject to income and compensation rules.
What happens if my income is too high for a Roth IRA?
If your modified adjusted gross income falls within a Roth IRA phase-out range, your direct contribution limit may be reduced. Above the top of the range, direct Roth IRA contributions may not be available.
Does this Roth IRA calculator account for inflation?
The calculator can show nominal future dollars or an inflation-adjusted view using a 3% annual inflation assumption. Actual inflation and investment returns will vary.
Is the Roth IRA contribution limit per account or per person?
The IRA contribution limit generally applies per person across traditional and Roth IRAs combined, not separately to every IRA account. This estimator subtracts traditional IRA contributions you enter and caps modeled Roth IRA contributions at taxable compensation.
2026 Roth IRA phase-out ranges
Roth IRA contribution eligibility depends on filing status and modified adjusted gross income. When your income is inside the phase-out range, this estimator reduces the modeled annual contribution limit.
Single or head of household
For tax year 2026, the estimator uses a Roth IRA phase-out range of $153,000 to $168,000 for single filers, heads of household, and qualifying separate filers who did not live with a spouse during the year.
Married filing jointly
For married filing jointly and qualifying surviving spouse filers, the 2026 phase-out range used by this estimator is $242,000 to $252,000.
Married filing separately, lived with spouse
For married filing separately when living with a spouse, the direct Roth IRA contribution phase-out range used here is $0 to $10,000.
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