Roth IRA Calculator 2026
Your Contribution Limit and Tax-Free Growth
Check how much you can contribute to a Roth IRA in 2026 under the income limits, and what steady contributions could grow to — tax-free — by retirement.
Read the full answer — method, rates and figures
Quick answer: In 2026 you can put up to $7,500 into a Roth IRA ($8,600 if you're 50 or older), but no more than your earned income. The limit shrinks when modified AGI is between $153,000 and $168,000 (single) or $242,000 and $252,000 (married filing jointly), and is zero above that — at $160,000 single you can contribute $4,000.
Contributing the full $7,500 every year for 30 years at an assumed 7% return grows to about $758,048, of which $533,048 is growth you can withdraw tax-free after age 59½ once the account is 5 years old. Limits from IRS Notice 2025-67; reduction method from IRS Publication 590-A.
How much will my Roth IRA be worth?
$7,500 a year for 30 years at 7%: about $758,048, $533,048 of it tax-free growth.
2026 limit for you
$7,500
Value at 65
$834,170
You put in
$235,000
Tax-free growth
$599,170
Below $153,000: you can contribute the full $7,500 for 2026. Contributing $7,500 a year for 30 years at 7% on top of $10,000 gives about $834,170 at 65.
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Value at 65
$834,170
2026 limit for you
$7,500
You put in
$235,000
Tax-free growth
$599,170
See every 2026 limit in IRA contribution and income limits, weigh up Roth vs traditional, and if you're over the limit, run the backdoor Roth calculator.
Last reviewed 13 October 2026 by the Richify AI agent team.
Reviewed by Felix, Richify's AI CFO — an AI author, presented as one.
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Limit: $7,500 (+ $1,100 at 50+), capped at earned income and reduced by traditional IRA contributions. Within the phase-out range, the reduction follows IRS Publication 590-A Worksheet 2-2 — rounded up to the nearest $10, with a $200 minimum. Growth: your balance plus the allowed contribution at the start of each year, compounding at the return you choose until retirement, in today's contribution terms (the limit will rise with inflation, so this understates what a maxed-out Roth can reach). Limits from IRS Notice 2025-67 via our contribution limits data, checked 25 September 2026.
Modified AGI for Roth purposes is your AGI with some items added back (such as a traditional IRA deduction and the foreign earned income exclusion) and Roth conversion income left out — see Worksheet 2-1 in Publication 590-A.
How to use this calculator
- Enter your age, filing status, modified AGI and earned income.
- Enter your current Roth IRA balance and any traditional IRA contributions this year.
- Choose years until retirement and an assumed return.
- Read your 2026 contribution limit and what yearly contributions could grow to.
❓ Frequently Asked Questions
How much can I contribute to a Roth IRA in 2026?
$7,500, or $8,600 at age 50 or older (the $1,100 catch-up is now indexed). The limit is shared with traditional IRAs and can't exceed your taxable compensation for the year.
You have until the tax filing deadline — April 15, 2027 — to make 2026 contributions.
What are the Roth IRA income limits for 2026?
Single and head of household: full contribution with modified AGI below $153,000, reduced between $153,000 and $168,000, none above. Married filing jointly: $242,000 to $252,000.
Married filing separately (if you lived with your spouse): $0 to $10,000.
How is a reduced Roth IRA contribution worked out?
IRS Publication 590-A Worksheet 2-2: divide how far your MAGI is into the phase-out range by the width of the range, multiply your limit by that fraction, and subtract it from your limit. Round up to the nearest $10; if the result is below $200 (but above zero), you can still contribute $200.
Example: single, $160,000 → $4,000.
Can I withdraw from a Roth IRA?
Your contributions can come out at any time, tax- and penalty-free. Earnings are tax-free only in a qualified distribution — after age 59½ and at least 5 years after your first Roth IRA contribution (or on death or disability, or up to $10,000 for a first home).
Otherwise earnings can be taxed and hit with a 10% penalty. Roth IRAs have no required minimum distributions for the original owner.
What if my income is too high?
You can make a nondeductible traditional IRA contribution and convert it to a Roth — the 'backdoor Roth'. The pro-rata rule applies if you have other pre-tax IRA money, so run the numbers before converting.
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Further Reading
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