Free online calculator

Roth IRA Calculator 2026 – Estimate Contribution Limits, Growth & Eligibility

Estimate your Roth IRA contribution room and see how regular investing could grow over time. The calculator appears first, while the supporting guide stays lower on the page for readers who need it.

No signup required Mobile friendly Updated July 12, 2026
Roth IRA Calculator 2026 – Estimate Contribution Limits, Growth & Eligibility
Calculator inputs

Use the Roth IRA Calculator 2026 – Estimate Contribution Limits, Growth & Eligibility

Enter your details below to estimate direct Roth IRA eligibility, contribution room, monthly contribution amount, and projected retirement balance.

Basic Details

Contribution Details

The projection uses the lower of your planned amount and your estimated allowed contribution.

Investment Assumptions

Optional Comparison

Visual forecast

Roth IRA Calculator 2026 – Estimate Contribution Limits, Growth & Eligibility Growth Chart

This simple chart shows the estimated year-by-year balance from your current age to retirement.

Detailed breakdown

Roth IRA Calculator 2026 – Estimate Contribution Limits, Growth & Eligibility Year-by-Year Projection

Review the estimated beginning balance, annual contribution, investment growth, and ending balance for each year.

YearAgeBeginning BalanceContributionGrowthEnding Balance
Your projection will appear here after calculation.
Simple guide

How to use the Roth IRA Calculator 2026 – Estimate Contribution Limits, Growth & Eligibility

Start with your age, retirement age, filing status, income, and current balance. Then enter the amount you plan to contribute and a reasonable return estimate. The result panel updates automatically, so you can compare a conservative plan with a more ambitious one without reloading the page.

1

Add your tax details

Choose the year and filing status, then enter MAGI and earned income. These values affect direct Roth IRA eligibility.

2

Set your savings plan

Add your balance, planned contribution, expected return, inflation rate, and retirement goal to build the projection.

Roth IRA Calculator 2026 – Estimate Contribution Limits, Growth & Eligibility long-term growth illustration

See the effect of time

A long investing period can make growth a larger part of the ending balance. Try changing the current age or retirement age to compare timelines.

Roth IRA Calculator 2026 – Estimate Contribution Limits, Growth & Eligibility monthly contribution planning illustration

Turn an annual goal into a routine

The remaining-room result gives you a simple monthly reference. You can adjust it around your pay schedule and cash flow.

Roth IRA basics

What the Roth IRA Calculator 2026 – Estimate Contribution Limits, Growth & Eligibility checks

A Roth IRA is generally funded with after-tax money, and qualified withdrawals may be tax-free. Direct contribution eligibility depends on compensation, filing status, and modified adjusted gross income. This tool combines those checks with a year-by-year savings projection.

Read more about contribution limits and income phase-outs

Contribution limits used in the calculator

For 2025, the tool uses $7,000, or $8,000 for an eligible person age 50 or older. For 2026, it uses $7,500, or $8,600 for an eligible person age 50 or older. The final allowed amount may still be lower when taxable compensation is below the annual limit.

Income phase-out logic

When MAGI falls inside the selected filing status phase-out range, the estimated direct Roth IRA contribution is reduced. At or above the upper threshold, the result becomes zero for a direct contribution. Complex tax situations can require a different calculation.

Read more about the projection and assumptions

The forecast applies the expected annual return to the beginning balance plus that year’s contribution. It also shows an inflation-adjusted value and, when enabled, a rough taxable account comparison using the tax-drag percentage you enter.

Investment returns are not guaranteed. Testing several return rates is usually more useful than relying on a single optimistic number.

Educational use only. The calculator is not financial, investment, tax, or legal advice. Rules can change, and exact eligibility may depend on facts not included here. Confirm current guidance with the IRS or a qualified professional.
Common questions

Roth IRA Calculator 2026 – Estimate Contribution Limits, Growth & Eligibility FAQ

What does the Roth IRA Calculator 2026 – Estimate Contribution Limits, Growth & Eligibility calculate?

It estimates direct Roth IRA eligibility, the annual contribution limit, remaining room, a suggested monthly amount, projected growth, inflation-adjusted value, and a rough taxable-account comparison.

What is the IRA contribution limit for 2026?

For 2026, the calculator uses an IRA contribution limit of $7,500, or $8,600 for an eligible person age 50 or older. Your taxable compensation can reduce the amount you may contribute.

What Roth IRA income ranges are used for 2026?

The calculator uses $153,000 to $168,000 for single and head-of-household filers, $242,000 to $252,000 for married filing jointly and qualifying surviving spouse, and $0 to $10,000 for married filing separately when the special rule applies.

Why can my allowed contribution be lower than the annual limit?

The allowed amount may be reduced by earned income, filing status, modified adjusted gross income, the Roth IRA phase-out range, and contributions already made during the year.

Is the result financial or tax advice?

No. This page is an educational planning tool. Confirm current IRS rules and speak with a qualified tax or financial professional before acting on the estimate.

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