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United States - Tax year 2026Roth IRA Calculator Planning Guide
Estimate 2026 Roth IRA contribution eligibility, phase-out reduction, and future account growth.
FormulaAllowed contribution = annual limit reduced across the MAGI phase-out range; projected balance grows yearly
Formula
Roth IRA eligibility and growth estimate
Roth IRA eligibility depends on MAGI, earned income, filing status, and IRS contribution rules. This calculator simplifies phase-out math and excludes conversions and backdoor Roth strategies.
Allowed contribution = annual limit reduced across the MAGI phase-out range; projected balance grows yearly
For a single filer under age 50, the 2026 limit is 7,500 before income phase-out. MAGI inside the phase-out range reduces the allowed contribution.
SourcesThis profile covers a simplified Roth IRA eligibility and projection estimate for 2026 using the IRS IRA contribution limit, catch-up amount, and MAGI phase-out ranges.
Sources and assumptions
US Roth IRA source notes
This profile covers a simplified Roth IRA eligibility and projection estimate for 2026 using the IRS IRA contribution limit, catch-up amount, and MAGI phase-out ranges.
- Effective year
- Tax year 2026
- Last verified
- 2026-06-23
Roth IRA eligibility depends on MAGI, earned income, filing status, and IRS contribution rules. This calculator simplifies phase-out math and excludes conversions and backdoor Roth strategies.
Official and reference sources
Assumptions
- MAGI is entered by the user and compared with the 2026 Roth IRA phase-out range for the selected filing status.
- The basic IRA limit is $7,500, with an additional $1,100 catch-up amount for age 50 or older.
- Allowed contribution is reduced linearly across the phase-out range for planning simplicity.
- The projection compounds yearly using the entered annual return.
Not included
- Earned income compensation limits, spouse IRA rules, backdoor Roth strategy, conversion taxes, recharacterizations, and excess contribution penalties.
- Exact IRS rounding worksheets, modified AGI details, five-year rules, ordering rules, and withdrawal qualification.
- State tax treatment, investment fees, market volatility, and custodian-specific rules.
FAQ6 common questions for this calculator.
FAQs
Which Roth IRA limits are used?+
It uses 2026 IRS IRA contribution limits and Roth IRA MAGI phase-out ranges.
Does this handle backdoor Roth IRA contributions?+
No. It estimates direct Roth IRA contribution eligibility and does not model conversions or pro-rata tax rules.
How does the Roth IRA Calculator calculate the result?+
For the Roth IRA Calculator, it uses the Roth IRA eligibility and growth estimate: Allowed contribution = annual limit reduced across the MAGI phase-out range; projected balance grows yearly. For a single filer under age 50, the 2026 limit is 7,500 before income phase-out. MAGI inside the phase-out range reduces the allowed contribution.
What information do I need to use the Roth IRA Calculator?+
Enter the money values, rates, dates, quantities, or assumptions requested by the form. Keep every amount in the same currency or business period before comparing the Roth IRA Calculator result.
How accurate is the Roth IRA Calculator?+
Roth IRA Calculator is accurate for the rates, amounts, dates, and rules entered. It uses the Roth IRA eligibility and growth estimate shown on this page. Real products can differ because of fees, taxes, contract terms, or changing official thresholds.
What should I check before using the Roth IRA Calculator result?+
For the Roth IRA Calculator, check the entered amounts, rates, dates, and rules, then compare the Roth IRA eligibility and growth estimate and worked example with the contract or source you will rely on. Fees, tax year, currency, and payment timing can change the final decision.
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How to use the Roth IRA Calculator
Estimate 2026 Roth IRA contribution eligibility, phase-out reduction, and future account growth. The page also explains the roth IRA eligibility and growth estimate and shows a practical example: For a single filer under age 50, the 2026 limit is 7,500 before income phase-out. MAGI inside the phase-out range reduces the allowed contribution.
- 1
Enter your details
Enter the values for the roth ira calculator scenario you want to check.
- 2
Check the calculation
Review the result alongside the roth IRA eligibility and growth estimate: Allowed contribution = annual limit reduced across the MAGI phase-out range; projected balance grows yearly.
- 3
Compare scenarios
Change one or more inputs to see how they affect the roth IRA Calculator result before you use the estimate.