Roth IRA calculator
Enter your filing status, your income and your pay to see the most you can put into a Roth IRA in 2026. A second tool shows what yearly contributions grow to at a return that you choose.
How much can you contribute in 2026?
This answer is for the example values in the boxes above. single or head of household, modified AGI $160,000.00, pay $200,000.00. Change the boxes to see your own answer.
The limit falls in step with the income across the range, is rounded up to the next $10 and is never below $200 while any of it is left.
What will it grow to?
A contribution is made at the start of each year and the return is added at the end of it. The return is yours to set: the calculator does not predict it.
How it works
The first tool follows Table 2-1 and Worksheet 2-2 of IRS Publication 590-A with the amounts of 2026 from IRS Notice 2025-67. The limit starts as the lesser of $7,500, or $8,600 for someone who will be 50 before the end of the year, and your taxable compensation. What you put into other IRAs, such as a traditional IRA, comes off it.
Your income then decides the rest. Below the start of your range the limit stays whole, and at the top of the range or above it nothing is allowed. In between, the limit falls in step with the income. The result is rounded up to the next $10. Inside the range it is never below $200, unless your pay or your other IRA contributions leave less room.
The second tool takes a contribution at the start of each year, adds the return at the end of each year, and gives the balance after the years that you choose.
A worked example
A single person has a modified AGI of $160,000 and $200,000 of pay. The range is $153,000 to $168,000, so the income has passed 7,000 of its 15,000. The $7,500 limit falls to $4,000.
At $167,000 the limit is $500, at $167,900 it is $200, and at $168,000 or more it is nothing. Below $153,000 a person who will be 50 can put in $8,600. A couple filing jointly with $247,000 can put in $3,750.
The method is that of the example in Publication 590-A (2025), where a single person with an income of $151,000 gets $6,540 of a $7,000 limit.
What it grows to
$7,500 a year paid in at the start of each year for 30 years, at a return of 7 percent, grows to $758,047.81. You put in $225,000.00 of that, and $533,047.81 is growth. With $10,000 to start, the balance is $834,170.36.
The return is yours to set and the calculator does not predict it. A contribution above the limit gets a note that points back to the first tool.
What it leaves out
The calculator is for 2026. It does not cover conversions, rollovers or withdrawals, and the limits of 2027 are not in it. Contributions may be made until the due date of your return for the year, not counting extensions.
Sources
Questions
How much can I put into a Roth IRA in 2026?
Up to $7,500, or $8,600 if you will be 50 or older before the end of the year, and not more than your taxable compensation. A high income reduces the limit, and takes it away at the top of the range.
What are the Roth IRA income limits for 2026?
The limit is reduced between $153,000 and $168,000 of modified AGI for a single person or a head of household. For a couple filing jointly the range is $242,000 to $252,000, and for a married person filing separately who lived with the spouse it is $0 to $10,000. At the top of the range you cannot contribute.
How is the reduced limit worked out?
Work out how much of the range your income has passed, take that share off the limit, and round up to the next $10. A result that is more than $0 but under $200 becomes $200. A single person at $160,000 has passed 7,000 of 15,000, so the limit of $7,500 falls to $4,000.
Do contributions to a traditional IRA count against the limit?
Yes. The limit for a Roth IRA is reduced by all your contributions for the year to IRAs other than Roth IRAs, so $2,000 in a traditional IRA leaves $5,500 when the limit is $7,500.
What is modified AGI?
The income that the Roth IRA rules use. Worksheet 2-1 of IRS Publication 590-A works it out from your return, and the calculator takes the figure that you enter.
When can I make a contribution for the year?
At any time during the year or by the due date for filing your return for that year, not including extensions.
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