Income eligibility
If modified AGI is inside the phase-out range, the estimator reduces direct Roth contribution room. Above the top of the range, direct contribution room may be zero.
Eligibility calculator2026 phase-outs
Roth IRA eligibility calculator
Estimate whether income and compensation may limit your direct Roth IRA contribution.
Roth IRA calculator guide
How this Roth IRA eligibility calculator works
This Roth IRA eligibility calculator emphasizes direct contribution eligibility under the 2026 income phase-out rules.
Use it to compare filing statuses and modified AGI values before reviewing IRS guidance or talking with a tax professional.
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.
Eligibility calculator
Eligibility factors in the estimate
Eligibility is about whether direct Roth IRA contributions are available for the income and filing-status inputs you enter.
Filing status first
Single filers, heads of household, joint filers, and married-filing-separately situations use different phase-out ranges. Changing filing status is often the fastest way to understand why the same modified AGI can produce a different result.
Modified AGI input
Modified AGI drives the direct Roth phase-out estimate. The calculator does not compute modified AGI for you; it uses the value you enter and compares it with the labeled 2026 range.
Compensation still matters
Eligibility is not only an income question. The contribution still needs taxable compensation and remaining IRA contribution room after any traditional IRA contributions you enter.
What is not modeled
This page estimates direct Roth IRA contribution room. It does not model backdoor Roth strategies, conversions, pro-rata tax effects, or plan-specific advice.
Life changes
Eligibility can change after a raise, bonus, marriage, divorce, or filing-status change. Recheck the estimate when those tax-year facts move instead of relying on an old contribution decision.
Before using a brokerage form
Brokerage contribution screens may not know your full modified AGI or other IRA activity. This page is meant as a pre-check before you confirm details with records, tax software, or a qualified professional.
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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 affects Roth IRA eligibility?
Direct Roth IRA eligibility depends on filing status, modified AGI, taxable compensation, and total IRA contributions. This tool estimates direct contribution room for those inputs.
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.
Reading eligibility status
Eligibility pages need to show the status result clearly. These notes define how to interpret eligible, reduced, and phased-out rows.
Examples, not filing advice
The grid uses representative MAGI values around each filing-status range. Replace them with your own modified AGI in the calculator before making a contribution decision.
Reduced means partial
A status of reduced means the model still allows direct contribution room, but less than the full compensation-limited IRA amount.
Direct contributions only
A phased-out direct contribution result does not model conversions, backdoor Roth steps, or pro-rata tax rules. It only describes direct Roth contribution room.
Privacy and measurement
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