Roth IRA Calculator
Estimate Roth IRA balance with 2026 contribution limits and income phase-outs.
US Roth IRA planning for tax year 2026. Annual contribution limit $7,500.00 under 50, or $8,600.00 age 50+ (combined across Roth and traditional IRAs).
Across all traditional and Roth IRAs for the year
Used for Roth income phase-out
Projected Roth IRA value
$361,431.80
Remaining contribution room this year: $7,500.00
Total contributions
$145,000.00
Growth
$216,431.80
2026 annual limit
$7,500.00
Income-based max
$7,500.00
This year’s monthly room
$625.00
Phase-out
Full limit OK
Roth contributions are from after-tax income; qualified withdrawals can be tax-free. Early withdrawals can face tax and penalties. Limits and MAGI bands are for 2026 IRS figures — confirm on IRS.gov. Not tax advice.
In-depth explanation
Project a US Roth IRA with monthly contributions and expected growth. Uses 2026 IRS contribution limits ($7,500 under 50 / $8,600 age 50+) and a simplified MAGI phase-out for single and joint filers. Everything runs locally in your browser — your inputs are not uploaded to produce the result.
For 2026, the IRA contribution limit is $7,500 if you’re under 50, or $8,600 if you’re age 50 or older. That limit is shared across traditional and Roth IRAs. Roth eligibility phases out with MAGI. For 2026, full contributions generally apply below about $153,000 (single) or $242,000 (married filing jointly), with no direct contribution at or above $168,000 / $252,000. This tool uses a simplified linear phase-out in between.
Both can offer tax-free growth, but Roth IRAs are retirement accounts with contribution and withdrawal rules. UK ISAs have a higher annual allowance and different access rules — use the ISA Calculator for UK planning. If MAGI is too high for a direct contribution, some people use a backdoor Roth. That strategy isn’t modelled here and has important tax rules — check IRS guidance or a tax professional. Use Roth IRA Calculator for quick planning; confirm important money, tax, or health decisions with an official source or professional when needed.
Frequently asked questions
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