Roth IRA Calculator — contributions, income phase-out & tax-free growth

How it works

Two steps. Phase-out: the contribution limit is the same IRA ceiling ($7,500, or $8,600 at 50+), reduced across the modified-AGI range for your filing status — full below the range's start, zero at its end, and prorated linearly between, all read from a reviewed data pack of the 2026 IRS figures. Project: the allowed contribution grows alongside your balance by the savings-annuity formula, and because qualified Roth withdrawals are tax-free, the growth output is money you keep in full. The income phase-out is what makes this page different from the traditional IRA calculator — same limit, same growth math, but eligibility that fades with income.

Roth IRA income phase-out — 2026 MAGI (IRS IR-2025-111, read 2026-07-22)

Source: IRS, IR-2025-111 (2026 cost-of-living adjustments). Within a range the limit is prorated; the IRS rounds the result to the nearest $10 with a $200 floor, which this page's linear figure approximates.

Worked example

On the default plan — $90,000 MAGI, single, contributing $7,500 from age 35 to 67 at 7% — the income is below the $153,000 start, so the full $7,500 is allowed and grows with the $20,000 balance to roughly $1.07 million, most of it tax-free growth. Raise MAGI into the range and the limit prorates: at $160,500, the single-range midpoint, the limit halves to $3,750; the $175,000 preset sits above $168,000, so the allowed contribution is $0 — its own computation from the published ranges.

Frequently asked questions

How much can I contribute to a Roth IRA in 2026?

Up to the IRA limit — $7,500, or $8,600 at 50+ — if your income is below the phase-out start for your filing status. Within the range (the table above) the limit shrinks proportionally; above it, direct Roth contributions aren't allowed.

What is MAGI and why does it matter here?

Modified adjusted gross income — your AGI with certain deductions added back — is what the Roth phase-out is measured against. It is usually close to your AGI; the exact add-backs are on the IRS worksheet, and small differences matter near a range boundary.

What happens if I earn too much for a Roth?

Direct contributions phase to zero above the range, but a traditional IRA has no income limit on contributions (only on deductibility), and some savers use a traditional-then-convert approach. Those strategy questions are beyond this page, which prices the direct-contribution limit; a tax advisor covers the alternatives.

Why is the growth shown separately?

Because it is the Roth's whole advantage: qualified withdrawals — contributions and growth alike — are tax-free, so the growth figure is money you keep in full, unlike a traditional account where withdrawals are taxed. That is the trade for contributing after-tax dollars now.

Is the limit combined with my traditional IRA?

Yes — the $7,500 / $8,600 ceiling is shared across all your IRAs, Roth and traditional together. Contributing to both doesn't raise the total, and the Roth phase-out only caps the Roth share of that combined limit.

Do Roth IRAs have required minimum distributions?

Not for the original owner — a Roth IRA has no lifetime RMDs, unlike a traditional IRA or 401(k), which is part of its appeal for leaving money to grow. The RMD calculator prices the accounts that do require withdrawals.

How accurate is this, and what does it exclude?

The phase-out ranges are the published IRS figures applied with linear proration; the projection is standard tax-free compound growth. It excludes the IRS's exact $10 rounding and $200 floor, annual COLA increases to the ranges, the five-year rule and age-59½ conditions for qualified withdrawals, and backdoor-conversion strategies. Confirm your MAGI and eligibility against the IRS worksheet.