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Roth IRA Calculator: 2026 Limit & Growth

See how much you can put in a Roth IRA for 2026 (IRS limit, age 50+ catch-up, income phase-out) and what it could grow to by retirement.

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Good to know: Scope: a 2026 Roth IRA worksheet in US dollars plus a simple growth projection. It uses the IRS 2026 amounts: one yearly limit of $7,500 for all your traditional and Roth IRAs together ($8,600 if you are 50 or older by the end of the year), or your taxable compensation if that is less; and the income phase-out ranges for modified AGI: $153,000 to $168,000 (single, head of household, or married filing separately and not living with your spouse), $242,000 to $252,000 (married filing jointly) and $0 to $10,000 (married filing separately and living with your spouse). Inside a range the limit is cut in proportion, with the IRS rounding to $10 and the $200 minimum from the tax code. Not included: how to figure modified AGI (see IRS Publication 590-A), the spousal IRA rule beyond what you type as compensation, backdoor or conversion steps, excess-contribution fixes, withdrawal rules and the 5-year rule, state taxes, fees and future limit changes. The growth part assumes the same yearly deposit at the start of each year and a fixed return you choose; real markets go up and down. Everything stays in this browser tab; nothing is sent or saved. Independent ToolsKo estimate. Sources reviewed November 11, 2026.

How to use it (step by step)

  1. 1Enter your age at the end of 2026, your tax filing status, your modified AGI (your adjusted gross income from your tax return, with a few items added back) and your pay from work (taxable compensation).
  2. 2If you also put money in a traditional IRA for 2026, enter that amount. Then enter what is already in your Roth IRA, how much you plan to add each year (leave it empty to use the maximum), the age you plan to retire and a yearly return to assume.
  3. 3Read the most you can put in for 2026 and the estimated balance at retirement. If your income is near a phase-out range, check your modified AGI with IRS Publication 590-A before you contribute.

Words to know

Roth IRA
A personal retirement account. You put in money you already paid tax on; if you follow the IRS rules, the money and its growth come out tax-free later.
Modified AGI (MAGI)
Your adjusted gross income from your tax return with some items added back. The IRS uses it to decide whether your Roth IRA limit is reduced.
Phase-out range
An income band where the amount you may put in shrinks step by step. Above the band, you cannot contribute directly at all.
Catch-up contribution
An extra amount allowed once you are 50 or older by the end of the year: $1,100 more for 2026.

Explore tools for Australia, the US & Europe →

Sources & methods

References checked November 11, 2026. Read each tool’s scope and assumptions before relying on its result.

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