Acerca de Roth IRA calculator
The calculator first finds how much you may put in a Roth IRA this year: $7,500 for 2026, or $8,600 from age 50, reduced step by step as modified AGI crosses the phase-out range for your filing status, using the IRS worksheet in Publication 590-A. It then grows the current balance and a contribution at the start of each year at your return. For comparison, the same contributions go into a traditional IRA, where they are deducted now, taxed at your later rate on withdrawal, and the yearly tax saving is invested in a taxable account.
With the defaults, a single 35-year-old with $90,000 of modified AGI can contribute the full $7,500. Thirty years at 7% turn $10,000 plus $225,000 of contributions into $834,170.36, all of it tax-free.
Limits, income and tax rates are held at this year's levels. Withdrawals of earnings are tax-free once the account is 5 years old and you are 59½.
Preguntas
What is the Roth IRA contribution limit for 2026?
$7,500, or $8,600 if you are 50 or older, according to IRS Notice 2025-67. The limit is shared with traditional IRAs, so $3,000 in a traditional IRA leaves $4,500 for a Roth. You cannot contribute more than your taxable compensation for the year, and contributions for 2026 can be made until the due date of your 2026 return, not counting extensions.
What are the 2026 Roth IRA income limits?
The contribution phases out between $153,000 and $168,000 of modified AGI for single filers and heads of household, and between $242,000 and $252,000 for married couples filing jointly. Married filing separately, if you lived with your spouse, the range is $0 to $10,000. At $160,500 single, halfway through the range, the limit falls from $7,500 to $3,750.
How is a reduced Roth IRA contribution calculated?
Divide how far your modified AGI is into the range by the range width ($15,000, or $10,000 for joint and separate filers), multiply your limit by that fraction and subtract. Round the result up to the next $10, and if it is above zero but under $200, you may contribute $200. The IRS example in Publication 590-A: $151,000 single in 2025 gives $7,000 − 469 = $6,531, rounded to $6,540.
Is a Roth or a traditional IRA better?
The Roth comes out ahead when your tax rate in retirement is higher than the tax you save now, and at equal rates it still wins slightly because a Roth shelters the full contribution. With the defaults at 22% now and later, the Roth ends $41,599.65 ahead of a traditional IRA whose tax savings are invested; the traditional IRA wins only if your later rate falls below 16.51%.
Can I still use a Roth IRA if my income is too high?
Not by contributing directly once modified AGI reaches the top of the range, $168,000 single or $252,000 joint for 2026. The income limit applies to contributions, not to conversions, so many people contribute to a traditional IRA and convert it, the so-called backdoor Roth. Pre-tax money in any traditional IRA makes part of the conversion taxable, because the tax-free share is figured over the value of all your traditional IRAs (Publication 590-B, Worksheet 1-1).
¿Qué precisión tiene «Roth IRA calculator»?
La precisión depende de tus datos y de los supuestos del método. El cálculo decimal usa 50 cifras significativas, pero las estimaciones, los métodos numéricos y los datos de origen pueden ser menos precisos; el redondeo mostrado no elimina esos límites. Ejemplos resueltos comprobados con fuentes independientes: 6. Por ejemplo, «IRS Publication 590-A Worksheet 2-2 example (2025, single, MAGI $151,000)» se comprueba con IRS Publication 590-A (2025), Worksheet 2-2 Example—Illustrated, line 11: $6,540.
¿De dónde procede el método?
IRS Notice 2025-67: 2026 IRA limit and Roth IRA phase-out ranges; IRS Publication 590-A (2025), Table 2-1 and Worksheet 2-2; IRS Publication 590-B (2025): qualified distributions from a Roth IRA.