Roth IRA Calculator
Enter your filing status and income to see your 2026 Roth IRA limit, then see what saving it each year could grow to.
Este conteúdo está em inglês.
This is an estimate for the 2026 tax year and is not tax advice. Modified adjusted gross income has special rules, so check your tax return.
Exemplos resolvidos
Single filer with $160,000 income
Single, income $160,000, earnings $90,000, under 50, 20 years at 7%
$4,000 limit
The income is $7,000 into a $15,000 range, so the $7,500 limit is cut by $3,500. Saving $4,000 a year for 20 years grows to $169,721.
Married couple aged 50 or over
Married filing jointly, income $245,000, earnings $200,000, 50 or older
$6,020 limit
The full limit is $8,600. The income is $3,000 into a $10,000 range, so the limit is cut by $2,580.
Sobre Roth IRA Calculator
This Roth IRA calculator tells you how much you can put into a Roth IRA for 2026 and what that saving could become. Choose your filing status, enter your modified adjusted gross income and your earnings from work, and tick the box if you are 50 or older. The page shows your limit, whether it is reduced and how the phase-out applies to you.
The 2026 limit across all your IRAs is $7,500, or $8,600 with the $1,100 catch-up for people aged 50 and over. The limit shrinks once your income enters the phase-out range, which is $153,000 to $168,000 for single filers and heads of household, $242,000 to $252,000 for married couples filing jointly and $0 to $10,000 for married filing separately when you lived with your spouse. Inside the range the limit is cut in a straight line and rounded up to the next $10, with a minimum of $200. You also cannot contribute more than you earned from work.
Como usar Roth IRA Calculator
- Choose your filing status and enter your modified adjusted gross income.
- Enter your earnings from work and tick the box if you are 50 or older.
- Enter the years you plan to save, a yearly return and any starting balance.
- Read your 2026 limit and the projected balance.
Usos comuns
- Checking if a raise reduces your Roth IRA limit
- Planning contributions for a couple
- Seeing the long-term value of saving the full limit each year
- Comparing a Roth IRA with a 401(k)
Fontes
- IRS: 401(k) and IRA limits for 2026
- IRS: Roth IRAs
- IRS Publication 590-A, contributions to individual retirement arrangements
Última revisão em 15 de outubro de 2026.
Perguntas frequentes
What is the Roth IRA limit for 2026?
It is $7,500, or $8,600 if you are 50 or older by the end of 2026. The limit applies to the total of your traditional and Roth IRA contributions.
What are the 2026 Roth IRA income limits?
Single filers and heads of household phase out between $153,000 and $168,000. Married couples filing jointly phase out between $242,000 and $252,000. Married filing separately phases out between $0 and $10,000 if you lived with your spouse.
What is modified adjusted gross income?
It is your adjusted gross income with certain deductions added back, such as student loan interest and some foreign income. The IRS worksheet for Roth IRAs gives the exact steps.
Can I contribute if I earn too much?
Not directly. Some people contribute to a traditional IRA with no deduction and convert it, which has tax rules of its own, so ask a tax professional.