Roth IRA Calculator
Find out how much you can put into a Roth IRA for 2026 at your income and filing status, worked out line by line, and what your Roth IRA could grow to by retirement.
Usually your AGI (Form 1040, line 11). IRS Publication 590-A, Worksheet 2-1, adds back a few items.
Low pay or a traditional IRA too?
You can't put in more than you earned from work. On a joint return, your spouse's pay counts too.
Traditional and Roth IRAs share one yearly limit.
What it could grow to
We count no more than your limit.
A guess about the future, not a promise.
You can put into a Roth IRA for 2026
$7,500
The full limit: your income is below the $153,000 where the limit starts to shrink.
| Modified AGI | $90,000 |
|---|---|
| Phase-out starts at | $153,000 |
| Your full limit | $7,500 |
| Your Roth IRA limit for 2026 | $7,500 |
Your Roth IRA at 67
$540,142
In future dollars, growing 6% a year, with $7,500 going in the first year.
| Balance today | $10,000 |
|---|---|
| Your contributions27 years, first year $7,500 | +$202,500 |
| Growth | +$327,642 |
| Balance at 67 | $540,142 |
Year by year
| Age | Put in | Balance |
|---|---|---|
| 40 | $7,500 | $18,322 |
| 41 | $7,500 | $27,143 |
| 42 | $7,500 | $36,493 |
| 43 | $7,500 | $46,404 |
| 44 | $7,500 | $56,910 |
| 45 | $7,500 | $68,047 |
| 46 | $7,500 | $79,851 |
| 47 | $7,500 | $92,364 |
| 48 | $7,500 | $105,628 |
| 49 | $7,500 | $119,687 |
| 50 | $7,500 | $134,590 |
| 51 | $7,500 | $150,387 |
| 52 | $7,500 | $167,132 |
| 53 | $7,500 | $184,882 |
| 54 | $7,500 | $203,696 |
| 55 | $7,500 | $223,640 |
| 56 | $7,500 | $244,780 |
| 57 | $7,500 | $267,188 |
| 58 | $7,500 | $290,941 |
| 59 | $7,500 | $316,119 |
| 60 | $7,500 | $342,808 |
| 61 | $7,500 | $371,099 |
| 62 | $7,500 | $401,086 |
| 63 | $7,500 | $432,873 |
| 64 | $7,500 | $466,567 |
| 65 | $7,500 | $502,283 |
| 66 | $7,500 | $540,142 |
2026 limit: $7,500, or $8,600 at 50 or older. Contributions for 2026 can be made until the due date of your 2026 tax return, not counting extensions.
This is an estimate, not tax advice. It uses the published rules for the tax year shown and leaves out situations a short form cannot ask about. For a decision, check with the IRS, your state, or a tax professional.
How this is calculated
For 2026 you can put up to $7,500 into IRAs, or $8,600 if you are 50 or older by the end of the year, but no more than your taxable pay from work. Traditional and Roth IRAs share that one limit. On a joint return, the spouse with less pay can count the other spouse's pay.
How much of it may go into a Roth IRA depends on your modified AGI. Below the start of the phase-out you get the full limit; inside the range it shrinks; at the top you can't contribute.
| Filing status | Full limit below | No Roth contribution from |
|---|---|---|
| Married filing jointly, qualifying surviving spouse | $242,000 | $252,000 |
| Single, head of household | $153,000 | $168,000 |
| Married filing separately, lived apart all year | $153,000 | $168,000 |
| Married filing separately, lived together at any time | $0 (any income reduces it) | $10,000 |
Inside the range, the calculator follows IRS Worksheet 2-2 in Publication 590-A. Example for a single filer, age 40, with a modified AGI of $160,000: $160,000 − $153,000 = $7,000. Divided by the $15,000 range, that is 0.467 (three decimals). 0.467 × $7,500 = $3,502.50, and $7,500 − $3,502.50 = $3,997.50, rounded up to the next $10: $4,000. A reduced limit below $200 becomes $200. Money already put into a traditional IRA for the year is subtracted.
Growth. The projection adds your yearly contribution (no more than your limit) and grows the balance at the return you enter, with each year's contribution growing for half a year. From age 50 the limit includes the catch-up. If your income is in the phase-out range, the projection keeps today's reduced amount. Limits stay at their 2026 level. Example: $10,000 today plus $7,500 a year from 40 to 67 at 6% comes to $540,142.
Contributions for 2026 can be made until the due date of your 2026 return, not counting extensions. Modified AGI for Roth purposes is usually close to your AGI; Worksheet 2-1 in Publication 590-A shows what to add back.
Sources
Checked against the sources below on .
Questions people ask
How much can I contribute to a Roth IRA in 2026?
$7,500, or $8,600 if you are 50 or older, as long as you have that much taxable pay and your income is below the phase-out. The limit is shared with any traditional IRA.
What are the Roth IRA income limits for 2026?
For single filers and heads of household the limit shrinks between $153,000 and $168,000 of modified AGI. For married couples filing jointly the range is $242,000 to $252,000.
Can I contribute to a Roth IRA if I'm married filing separately?
Only a little if you lived with your spouse at any time during the year: the limit shrinks from your first dollar of income and ends at $10,000. If you lived apart the whole year, the single limits apply.
How is a reduced Roth IRA contribution calculated?
With IRS Worksheet 2-2: the share of the phase-out range your income has passed (three decimals) times your limit is subtracted, and the result is rounded up to the next $10, but not below $200. A single filer with $160,000 of modified AGI can put in $4,000.
What is the deadline for 2026 Roth IRA contributions?
The due date of your 2026 tax return, not counting extensions. Contributions can be made any time during 2026 or up to that date.