First the calculator works out your 2026 Roth IRA limit from your income and filing status. Then it projects the account to the age you stop contributing.
Roth IRA calculator
Your 2026 Roth IRA limit from your income, then a projection to the age you stop contributing.
Your 2026 Roth IRA limit
$0
Estimated balance when you stop contributing
$0
The limit uses the IRS steps for a reduced Roth IRA contribution and the 2026 income ranges. The IRS worksheet in Publication 590-A gives the exact figure for your return. Projections keep contributions at your amount every year; the IRS may raise the limit later. Sources: IRS IR-2025-111, IRS: amount of Roth IRA contributions you can make.
2026 Roth IRA limits
- Contribution limit: $7,500, or $8,600 if you are 50 or older (a $1,100 catch-up). This is shared across all your traditional and Roth IRAs.
- You cannot put in more than you earn from work in the year.
Income limits
| Filing status | Full contribution if modified AGI is below | No contribution at or above |
|---|---|---|
| Single or head of household | $153,000 | $168,000 |
| Married filing jointly | $242,000 | $252,000 |
| Married filing separately (lived with spouse) | $0 | $10,000 |
Inside each range your limit shrinks in a straight line. The calculator follows the IRS steps: subtract the start of the range from your income, divide by the width of the range, multiply your limit by that share and subtract it. Publication 590-A has the official worksheet.
Why a Roth IRA
You pay tax on the money now. Qualified withdrawals in retirement, including all the growth, are tax-free, and Roth IRAs have no required minimum distributions while you are alive. See the RMD table for how traditional accounts compare.
Frequently asked questions
What is the Roth IRA income limit for 2026?
Single filers can contribute the full amount with modified AGI under $153,000 and nothing at $168,000 or more. Married couples filing jointly: under $242,000 for the full amount, nothing at $252,000 or more.
How much can I contribute to a Roth IRA in 2026?
$7,500, or $8,600 at 50 or older, as long as your income is below the phase-out range and you earned at least that much from work.