Shared IRA limit
The IRA contribution limit is generally shared across Roth and traditional IRAs, so traditional IRA contributions reduce modeled Roth room.
Contribution calculator2026 limits
Roth IRA contribution calculator
Check estimated Roth IRA contribution room against 2026 limits, income rules, and compensation caps.
Roth IRA calculator guide
How this Roth IRA contribution calculator works
This Roth IRA contribution calculator is built around contribution room, not just future growth.
Enter taxable compensation, modified AGI, filing status, and traditional IRA contributions to see the first-year eligible contribution estimate.
2026 contribution limits
For tax year 2026, the IRA contribution limit used here is $7,500. If you are age 50 or older, the calculator adds the $1,100 catch-up contribution.
Income phase-out ranges
Direct Roth IRA contributions may be reduced when modified AGI falls inside the IRS phase-out range for your filing status. Married filing separately has different treatment depending on whether you lived with your spouse during the year.
Inflation-adjusted estimates
Turning on today-dollar results discounts future balances with a 3% annual inflation assumption. Nominal future dollars are shown when the toggle is off.
Not financial advice
This free calculator is for education and planning. Roth IRA eligibility can depend on taxable compensation, other IRA contributions, and other tax details, so confirm your situation before contributing.
Contribution calculator
How contribution room is limited
A contribution calculator has to answer a different question from a growth calculator: how much direct Roth IRA contribution room is modeled before growth even starts.
Annual limit cap
The first cap is the annual IRA limit for the tax year. The estimator uses the 2026 base limit and adds catch-up room in projected years where age eligibility applies.
Compensation cap
Taxable compensation matters because IRA contributions generally cannot exceed eligible compensation. If compensation is lower than the IRA limit, the modeled Roth contribution is capped by compensation.
Other IRA contributions
Traditional IRA contributions use the same overall IRA contribution limit. Entering those contributions reduces the Roth room shown by the estimator so the result is not double-counted.
Income phase-out
Modified AGI and filing status can reduce direct Roth IRA contribution room. When the input is inside a phase-out range, the estimator rounds the reduced limit using the IRS-style minimum and rounding behavior modeled in the logic.
Payroll-style planning
Use monthly or biweekly entries when you want to mirror payroll deposits, then compare the annualized amount with the first-year eligible contribution metric. That makes it easier to spot whether your planned schedule is below the modeled room.
Variable compensation
For self-employed income, variable bonuses, or a midyear job change, revisit taxable compensation before relying on the estimate. A contribution plan that fits one income month may need adjustment after the year is clearer.
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Roth IRA contribution sources
The contribution and phase-out logic is labeled by tax year because IRS limits can change. Use the official IRS pages below when you need the source rules behind the Roth IRA calculator.
Last updated June 7, 2026. Contribution limits and phase-out ranges are labeled for tax year 2026; always confirm current rules before making a contribution.
What limits does this contribution calculator use?
For 2026, the estimator starts with the IRA limit, adds catch-up room when projected age is 50 or older, caps contributions at taxable compensation, subtracts traditional IRA contributions, and applies Roth income phase-out rules.
How much can I contribute to a Roth IRA in 2026?
For tax year 2026, the IRA contribution limit is $7,500. People age 50 or older can add a $1,100 catch-up contribution, for a total of $8,600, subject to income and compensation rules.
What happens if my income is too high for a Roth IRA?
If your modified adjusted gross income falls within a Roth IRA phase-out range, your direct contribution limit may be reduced. Above the top of the range, direct Roth IRA contributions may not be available.
Does this Roth IRA calculator account for inflation?
The calculator can show nominal future dollars or an inflation-adjusted view using a 3% annual inflation assumption. Actual inflation and investment returns will vary.
Is the Roth IRA contribution limit per account or per person?
The IRA contribution limit generally applies per person across traditional and Roth IRAs combined, not separately to every IRA account. This estimator subtracts traditional IRA contributions you enter and caps modeled Roth IRA contributions at taxable compensation.
Choosing a contribution schedule
Contribution pages should help turn a deposit habit into an annual limit check. These notes explain how to read the schedule table before focusing on growth.
Paycheck deposits
Weekly and biweekly deposits are useful for paycheck-based planning. The annualized column shows whether those smaller deposits add up to the modeled contribution room.
Annual view
Annual deposits are easier to compare with IRS limits, but they may not match how people save throughout the year. The schedule table keeps both views side by side.
Cap awareness
If the annualized amount is higher than the eligible room, the modeled contribution column shows the cap. That is the important number for this estimator.
Privacy and measurement
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