Check your 2026 Roth IRA limit from your income, then see what those deposits could grow to by retirement.
Reviewed by Associate Professor Charles Lo, CPA, PhD · Updated October 13, 2026Free, no signup
Check an estimated 2026 contribution limit, then project tax-free account growth if eligibility and inputs stay as shown.
Illustration, not a forecast or an eligibility decision. The model keeps MAGI and 2026 rules fixed, applies the age-based cap and phase-out, then subtracts other IRA contributions. Returns compound monthly at annual rate ÷ 12; deposits arrive after growth. Taxable compensation, fees and qualified-withdrawal rules are not checked. Full method · IRS 2026 limits.
| Age | Allowed | Contributed | Growth | End balance |
|---|
Educational estimate only. MAGI and 2026 limits are held constant. The calculator does not determine taxable compensation or qualified-distribution status.
Save and Restore require Preferences consent and keep eight projection inputs locally. Links contain ages, balance, planned contribution, filing status, modified AGI, other IRA contribution amount and return assumption. Use hypothetical examples for public sharing. Account identifiers, holdings, documents and form fields are excluded; keep real financial details in local storage or a private CSV.
A Roth IRA calculator checks how much you are allowed to put into a Roth IRA and shows what that money could grow to.
A Roth IRA is an individual retirement account you open yourself. You pay in money you have already paid tax on. In return, the growth can come out tax free in retirement once you meet the IRS rules. The catch is a yearly limit that shrinks, then disappears, as your income rises.
This calculator does both jobs. It works out your 2026 limit from your age, filing status, modified AGI and any traditional IRA deposits. Then it grows your balance month by month, using only what you are allowed to put in each year.
Kenji is 35, single, with $25,000 already in a Roth IRA. His modified AGI is $160,000, which is inside the single phase out range. The calculator trims his limit from $7,500 to $4,000. Putting in the most allowed each year at 7%, he reaches $625,153 at 65. If his income were $100,000 he could put in the full $7,500 and reach $965,394.
For anyone opening their first Roth IRA, checking whether a raise pushes them over the income limit, or deciding between a Roth and a traditional IRA deposit. New to a term on this page? The investment glossary defines it in a sentence.
This calculator uses a 2026 limit of $7,500, or $8,600 if you are 50 or older. That is one limit shared by all your IRAs. It shrinks if your modified AGI is in the phase out range: $153,000 to $168,000 for single filers and $242,000 to $252,000 for married couples filing jointly. Above the top of the range, the tool shows $0.
The most you can put in this year after the income rules and any traditional IRA deposits. It is based on your age today, so it is $7,500 or $8,600, or less.
Full limit means your income is below the phase out and no other IRA deposits use up the room. Reduced means your income is inside the range, or other IRA deposits took part of the limit. Not eligible means your income is above the range, so direct Roth deposits are not allowed.
Allowed is your limit that year. Contributed is the smaller of Allowed and your plan. The Age column shows your age at the end of each year, so a 35 year old’s first row reads 36.
MAGI is not your paycheck. Pre tax 401(k) deposits and some other items come off first, so it is often lower than salary. A single filer paid $160,000 who puts $10,000 in a traditional 401(k) has a MAGI near $150,000. The tool then shows the full $7,500 instead of a reduced $4,000. Check the figure with your tax software.
First it sets your yearly cap: $7,500, or $8,600 from age 50. If your income is inside the phase out range, it cuts the cap in proportion to how far through the range you are, rounds up to the next $10, and never goes below $200 until you pass the top. Then it takes off any traditional IRA deposits.
Next it projects. Each year it adds the smaller of your planned deposit and your limit, spread over 12 months, and grows the balance by one twelfth of the yearly return each month. Your income and the 2026 limits stay the same every year.
| Single phase out range | $168,000 − $153,000 | $15,000 wide |
| Room left above his income | $168,000 − $160,000 | $8,000 |
| Reduced limit | $7,500 × $8,000 ÷ $15,000 | $4,000 |
| Balance at 65 | $25,000 plus $4,000 a year, 7% return | $625,153 |
At 50 his limit in the table rises to $4,590, which is $8,600 cut by the same share and rounded up to the next $10.
The default (age 35, single, $25,000 balance, $7,500 a year, 7% to age 65), changed one thing at a time.
| Change one thing | 2026 limit | Balance at 65 |
|---|---|---|
| Default: MAGI $100,000 | $7,500 | $965,394 |
| MAGI $160,000 | $4,000 | $625,153 |
| MAGI $170,000 | $0 | $202,912 |
| $3,000 already in a traditional IRA | $4,500 | $689,456 |
| Start at 25 instead of 35 | $7,500 | $2,048,294 |
| Return of 5% instead of 7% | $7,500 | $631,855 |
Above the phase out, the $25,000 already inside still grows to $202,912. Starting ten years sooner roughly doubles the result.
Your total IRA deposits cannot be more than your taxable pay for the year. The tool asks for MAGI, not pay, so check this yourself. Your tax return is the final word on MAGI too.
It holds your MAGI and the 2026 limits steady for every future year. A raise could push you into the phase out later. To see how a raise affects your tax, try the tax bracket calculator.
The tool does not test whether a withdrawal would be tax free. It also ignores fund fees and uses one steady return. The return simulator shows how uneven returns change the picture.
With a Roth, you put in money that has already been taxed, and qualified withdrawals later are tax free. A traditional IRA may give you a tax deduction now, but withdrawals are taxed later. They share one yearly limit, which this calculator puts at $7,500 for 2026. Enter traditional deposits under Other IRA contributions.
This calculator uses phase out ranges of $153,000 to $168,000 of modified AGI for single and head of household filers, and $242,000 to $252,000 for married couples filing jointly. For married filing separately, if you lived with your spouse, the range is $0 to $10,000. Inside a range your limit is reduced. Above it, the tool shows $0.
Over time, yes. The IRS adjusts the IRA limit and the income phase out ranges for inflation, usually every year or two. This calculator holds the 2026 figures for every future year, so a plan that reads Reduced today might allow the full amount later, or a raise might push you into the range. Rerun it each January with the new numbers.
Modified adjusted gross income, or MAGI, is your adjusted gross income with a few items added back, as the IRS sets out for Roth IRA rules. For many people it is close to the AGI on their tax return. Your tax software or the IRS Roth worksheet gives the exact figure.
Above the phase out range the calculator shows $0 and Not eligible. Your existing Roth money still grows. Some high earners put money in a traditional IRA and convert it, often called a backdoor Roth. It has tax traps, so check the rules or ask a tax professional first.
You can take out the amounts you paid in at any time without tax or penalty. Earnings are different: they are tax free only once you meet the IRS rules for a qualified withdrawal. This calculator does not check those rules, so read IRS guidance before you withdraw.
No. It is an estimate. It holds your income and the 2026 limits steady every year, uses one fixed return, ignores fund fees and does not check that you have enough earned income. Your tax return and the IRS worksheet decide what you can put in.
Copy link preserves eight projection inputs: ages, balance, planned contribution, filing status, modified AGI, other IRA contribution amount and return assumption. Use hypothetical examples for public sharing; account identifiers, holdings, documents and form fields are excluded. Save and Restore keep these inputs locally with Preferences consent. CSV includes inputs, method and displayed results; keep it private.
Learn the investment-tax basics, then check the specific Roth rules that apply to your situation.
Primary sources and original reference material for the concepts discussed on this page.
References added 14 October 2026.
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