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Roth IRA calculator

Calculate your 2026 Roth IRA contribution limit after the income phase-out, its growth, and whether a Roth or traditional IRA leaves more after tax.

अद्यतनित तपासलेली उदाहरणे: ६

years
From the year you turn 50 the limit includes the catch-up
$
Adjusted gross income with the add-backs in Publication 590-A Worksheet 2-1
$
years
%
$
%
Your marginal federal plus state rate this year
%
अधिक पर्याय
$
Wages and self-employment income; the contribution cannot exceed it
वापरून पाहा
Roth IRA balance at the end
$
Roth IRA balance at the end: $834,170.36
दशांश स्थाने: २; जवळचे मूल्य; समान अंतरावर सम अंकाकडे
Your contribution limit this year
$7,500.00
Eligibility
Full contribution
Total contributions
$225,000.00
Tax-free growth
$599,170.36
Traditional IRA instead, after tax
$792,570.71
Roth advantage
$41,599.65
Break-even tax rate in retirement
16.51%

You can contribute $7,500.00 to a Roth IRA for 2026. After 30 years at 7%, the account holds $834,170.36, of which $599,170.36 is growth you never pay tax on. The Roth leaves $41,599.65 more after tax than a traditional IRA; the traditional IRA would win only if your tax rate in retirement were below 16.51%.

2026 Roth IRA phase-out for your filing status

Full limitReduced63,000153,000168,000198,000$90,000

After-tax value: Roth vs traditional

$0$200K$400K$600K$800K0102030YearsUS dollars
Roth IRATraditional IRA after tax
Roth vs traditional, year by year ओळी: ३०
वर्षवयContributionRoth balanceTraditional balance (pre-tax)Invested tax savingsTraditional after tax
135$7,500.00$18,725.00$8,025.00$1,740.09$18,699.59
236$7,500.00$28,060.75$16,611.75$3,575.19$27,981.35
337$7,500.00$38,050.00$25,799.57$5,510.48$37,884.58
438$7,500.00$48,738.50$35,630.54$7,551.45$48,451.23
539$7,500.00$60,175.20$46,149.68$9,703.85$59,726.11
640$7,500.00$72,412.46$57,405.16$11,973.77$71,757.09
741$7,500.00$85,506.33$69,448.52$14,367.62$84,595.28
842$7,500.00$99,516.78$82,334.92$16,892.19$98,295.28
943$7,500.00$114,507.95$96,123.36$19,554.59$112,915.40
1044$7,500.00$130,548.51$110,876.99$22,362.36$128,517.93
गणना कशी केली जाते S

  1. Starting limit for 2026

    L=7,500.00L = 7{,}500.00

    $7,500.00 (IRS Notice 2025-67).

  2. Income phase-out

    Modified AGI of $90,000.00 is below $153,000.00, where the phase-out starts, so the full limit applies.

  3. Roth balance

    Rk+1=(Rk+ck)(1+0.07),R0=10,000.00⇒R30=834,170.36R_{k+1} = (R_k + c_k)(1 + 0.07),\quad R_0 = 10{,}000.00 \Rightarrow R_{30} = 834{,}170.36

    Each year's contribution is made at the start of the year.

  4. Traditional IRA with the same contributions

    T30=758,047.81,T30(1−0.22)=591,277.29T_{30} = 758{,}047.81,\quad T_{30}(1 - 0.22) = 591{,}277.29

    The same money grows in the account, and every dollar is taxed at your later rate when withdrawn.

  5. Tax savings invested

    Sk+1=(Sk+0.22 ck)(1+0.0546)⇒S30=125,170.87S_{k+1} = (S_k + 0.22\,c_k)(1 + 0.0546) \Rightarrow S_{30} = 125{,}170.87

    The deduction saves c × your current rate each year; that money grows in a taxable account whose return is taxed yearly at your current rate.

  6. Roth advantage

    834,170.36−(76,122.55+591,277.29+125,170.87)=41,599.65834{,}170.36 - (76{,}122.55 + 591{,}277.29 + 125{,}170.87) = 41{,}599.65

    Your current Roth balance counts on both sides.

  7. Break-even tax rate in retirement

    t∗=S30T30=16.51%t^* = \frac{S_{30}}{T_{30}} = 16.51\%

Roth IRA calculator बद्दल

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.

सोडवलेली उदाहरणे

IRS Publication 590-A Worksheet 2-2 example (2025, single, MAGI $151,000)

Tax year
2025
Your age at the end of the year
45 years
Filing status
Single or head of household
Modified AGI
151,000
Contribution per year
7000
Years of contributions
1 year
Investment return (per year)
0%
Current Roth IRA balance
0
Tax rate now
22%
Tax rate in retirement
22%
Your contribution limit this year
6,540.00
Total contributions
6,540.00
Eligibility
Reduced by the income phase-out

पडताळणीचा स्रोत: IRS Publication 590-A (2025), Worksheet 2-2 Example—Illustrated, line 11: $6,540

Defaults: single, 35, $90,000, $7,500 a year for 30 years at 7%

Tax year
2026
Your age at the end of the year
35 years
Filing status
Single or head of household
Modified AGI
90,000
Contribution per year
7500
Years of contributions
30 years
Investment return (per year)
7%
Current Roth IRA balance
10,000
Tax rate now
22%
Tax rate in retirement
22%
Roth IRA balance at the end
834,170.36
Your contribution limit this year
7,500.00
Traditional IRA instead, after tax
792,570.71
Roth advantage
41,599.65
Break-even tax rate in retirement
16.51%

पडताळणीचा स्रोत: Python decimal (prec 50): contributions at the start of each year; tax savings grow at 7% × (1 − 22%)

Married filing jointly, age 55, halfway through the 2026 range

Tax year
2026
Your age at the end of the year
55 years
Filing status
Married filing jointly
Modified AGI
247,000
Contribution per year
8600
Years of contributions
10 years
Investment return (per year)
6%
Current Roth IRA balance
50,000
Tax rate now
24%
Tax rate in retirement
22%
Your contribution limit this year
4,300.00
Total contributions
43,000.00
Roth IRA balance at the end
149,620.45
Roth advantage
-79.61

पडताळणीचा स्रोत: Worksheet 2-2 by hand: 8,600 × (1 − 5,000/10,000) = 4,300 (Notice 2025-67 range $242,000–$252,000); balances from Python decimal

The $200 minimum near the top of the range

Tax year
2026
Your age at the end of the year
40 years
Filing status
Single or head of household
Modified AGI
167,800
Contribution per year
7500
Years of contributions
1 year
Investment return (per year)
0%
Current Roth IRA balance
0
Tax rate now
22%
Tax rate in retirement
22%
Your contribution limit this year
200.00

पडताळणीचा स्रोत: Worksheet 2-2 by hand: 7,500 × (1 − 14,800/15,000) = 100, below $200, so $200

प्रश्न

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).

“Roth IRA calculator” किती अचूक आहे?

अचूकता तुमच्या इनपुटवर आणि पद्धतीच्या गृहीतकांवर अवलंबून असते. दशांश गणना 50 सार्थ अंक वापरते, पण अंदाज, संख्यात्मक पद्धती आणि मूळ डेटा कमी अचूक असू शकतात; दाखवलेल्या मूल्यांचे पूर्णांकन केल्याने या मर्यादा दूर होत नाहीत. स्वतंत्र स्रोतांतील सोडवलेल्या उदाहरणांशी पडताळणी: ६. उदाहरणार्थ, “IRS Publication 590-A Worksheet 2-2 example (2025, single, MAGI $151,000)” ची पडताळणी IRS Publication 590-A (2025), Worksheet 2-2 Example—Illustrated, line 11: $6,540 याच्याशी केली आहे.

या पद्धतीचा स्रोत कोणता?

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.

या कॅल्क्युलेटरबद्दल

Rk+1=(Rk+ck)(1+r),ck=min⁡ ⁣(c, ⌈L(1−ρ)⌉10),ρ=MAGI−startwidthR_{k+1} = (R_k + c_k)(1+r),\quad c_k = \min\!\big(c,\ \lceil L(1-\rho)\rceil_{10}\big),\quad \rho = \frac{\text{MAGI} - \text{start}}{\text{width}}

स्रोत

  1. IRS Notice 2025-67: 2026 IRA limit and Roth IRA phase-out ranges
  2. IRS Publication 590-A (2025), Table 2-1 and Worksheet 2-2
  3. IRS Publication 590-B (2025): qualified distributions from a Roth IRA

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