How it works
What this calculation includes
A Roth IRA contribution is limited by a yearly IRA limit and, for higher incomes, by a phase-out range. Below the range the full limit applies. Inside the range the limit is reduced in proportion to how far income is through the range. At or above the top of the range, no direct contribution is allowed.
This page uses the 2026 figures from IRS Notice 2025-67. Contributions above the allowed limit are reduced to that limit before the balance is projected.
Roth IRA contribution limit
Symbols only: base uses the IRA limit ($7,500); phase-out edges use published MAGI bounds (single low $153,000, high $168,000) when available.
In words Inside the MAGI phase-out range the annual limit is scaled between the full IRA limit and zero; outside the range it is full or none.
- Allowed Roth contribution for the year
- IRA limit (plus catch-up when age allows)
- Modified adjusted gross income (MAGI)
- Start of the phase-out range
- End of the phase-out range
Inside the phase-out range the limit scales in proportion between the full IRA limit and zero.
Example
- Filing status: Single
- MAGI: $120,000.00
- Age: 40
- Inside the phase-out range, limit = base x (high - income) / (high - low)
- Eligibility this year: full
Contribution limit: $7,500.00
Worked example
Using the default inputs on this page.
- Planned annual contribution
- $6,000.00
- Filing status
- Single
- Modified adjusted gross income
- $90,000.00
- Current balance
- $10,000.00
- Current age
- 35
- Retirement age
- 65
- Estimated annual return
- 6.00%
Projected balance at age 65
$562,483
6.00% nominal return over 30 years
Questions
What are the 2026 Roth IRA limits?
The IRA contribution limit for 2026 is $7,500, with a $1,100 catch-up if you are age 50 or older. For single and head of household filers the phase-out runs from $153,000 to $168,000 of MAGI. For married filing jointly it runs from $242,000 to $252,000. Married filing separately stays $0 to $10,000. Figures come from IRS Notice 2025-67.
How is the reduced limit figured?
Inside the phase-out range the full limit is scaled by how far your MAGI is through the range. This page uses a proportional estimate. The IRS worksheet applies its own rounding.
Which filing statuses are modeled?
Single and married filing jointly. Head of household uses the same published range as single. Married filing separately is listed in the notice but is not a status option here yet.
What is not modeled?
Backdoor Roth conversions, spousal IRAs, and earned-income rules that can block a contribution even when MAGI is low enough.
Sources
- IRS Notice 2025-67 (2026 retirement plan limits) Internal Revenue Service. Retrieved 2026-10-16.
- Roth IRAs Internal Revenue Service. Retrieved 2026-10-12.
- Retirement topics: IRA contribution limits Internal Revenue Service. Retrieved 2026-10-12.