Max contribution2026 limits

Roth IRA max contribution calculator

Compare your Roth IRA plan with a max-contribution scenario using 2026 contribution rules.

Inputs

Use transparent assumptions. This is an estimator, not financial advice.

Current age

Retirement age

Current Roth IRA balance

Contribution amount

Contribution frequency

Expected annual return

Tax filing status

Modified AGI

Taxable compensation

Traditional IRA contributions

Show today-dollar results

Uses a 3% inflation assumption.

Estimated result

35 years modeled at 7% annually.

Retirement balance

$1,228,955

First-year eligible contribution

$7,500

Total modeled contributions

$262,500

Estimated investment growth

$948,455

Max-contribution scenario

Uses each projection year's eligible limit, including catch-up years.

$1,266,354

Balance curve

35 years

Year-by-year projection

Contributions are applied at year end after annual growth.

Age	Contribution	Growth	Balance
33	$7,500	$1,260	$26,760
34	$7,500	$1,873	$36,133
35	$7,500	$2,529	$46,163
36	$7,500	$3,231	$56,894
37	$7,500	$3,983	$68,376
38	$7,500	$4,786	$80,663
39	$7,500	$5,646	$93,809
40	$7,500	$6,567	$107,876
41	$7,500	$7,551	$122,927
42	$7,500	$8,605	$139,032
43	$7,500	$9,732	$156,264
44	$7,500	$10,939	$174,703
45	$7,500	$12,229	$194,432
46	$7,500	$13,610	$215,542
47	$7,500	$15,088	$238,130
48	$7,500	$16,669	$262,299
49	$7,500	$18,361	$288,160
50	$7,500	$20,171	$315,832
51	$7,500	$22,108	$345,440
52	$7,500	$24,181	$377,121
53	$7,500	$26,398	$411,019
54	$7,500	$28,771	$447,290
55	$7,500	$31,310	$486,101
56	$7,500	$34,027	$527,628
57	$7,500	$36,934	$572,062
58	$7,500	$40,044	$619,606
59	$7,500	$43,372	$670,478
60	$7,500	$46,933	$724,912
61	$7,500	$50,744	$783,156
62	$7,500	$54,821	$845,476
63	$7,500	$59,183	$912,160
64	$7,500	$63,851	$983,511
65	$7,500	$68,846	$1,059,857
66	$7,500	$74,190	$1,141,547
67	$7,500	$79,908	$1,228,955

Roth IRA calculator guide

How this Roth IRA max contribution calculator works

This Roth IRA max contribution calculator helps compare your planned contributions with a modeled max-contribution path.

The estimator still applies income, compensation, and other IRA contribution limits, so the max scenario reflects direct contribution constraints.

Maxing out

Set contribution frequency to annual and contribution amount to the current base limit to model a simple maxing-out baseline.

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.

Max contribution

What max contribution means here

Maxing out a Roth IRA is only a meaningful comparison if the estimate respects the rules that can reduce direct contribution room.

Base limit plus catch-up

For 2026, the base IRA limit is used as the starting max contribution amount. The estimator adds catch-up room for eligible projected years once the saver reaches age 50.

Rule-limited maximum

The max scenario is not simply the highest number typed into the form. It is limited by taxable compensation, other IRA contributions, and Roth IRA income phase-out rules.

Plan comparison

The result panel compares your entered contribution plan with a max-contribution path. That makes it easier to judge whether increasing contributions would matter more than changing return assumptions.

Tax-year labeling

Because contribution limits can change by tax year, this page labels the modeled year and links to IRS sources. Treat the result as an educational estimate, especially near income limits.

Max-contribution comparison by age

Compare a maxing-out path across starting ages, including catch-up contribution room once projected age reaches 50. This table focuses on the specific question of maxing out: how much room the model allows and what the max path could produce by retirement.

Starting age	First-year max	Total max contributions	Max scenario balance
Age 25	$7,500	$334,800	$1,852,862
Age 30	$7,500	$297,300	$1,386,613
Age 35	$7,500	$259,800	$1,081,917
Age 40	$7,500	$222,300	$875,652
Age 45	$7,500	$184,800	$715,070
Age 50	$8,600	$146,200	$581,107

Related Roth IRA calculators

Calculator by ageCompare age presets and compounding timelines.Compound interestFocus on annual compounding and growth.Contribution calculatorCheck contribution room and limits.Eligibility calculatorCheck income and filing-status eligibility.Future valueEstimate future account value.Main estimatorEstimate growth, limits, and retirement balance.Phase-out calculatorEstimate income phase-out effects.Retirement calculatorEstimate balance at retirement age.

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.

IRS contribution limits IRS Publication 590-A

How does the max-contribution scenario work?

The max-contribution scenario uses each projection year's eligible contribution limit, including catch-up years, then compares it with the contribution amount you entered.

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.

Max-contribution planning notes

Max-contribution searches ask a narrower question than general growth searches. This section focuses on what maxing out means inside the modeled Roth IRA rules.

Maximum is rule-limited

The max-contribution table uses the largest direct contribution the model allows for each year. Income phase-outs and compensation caps can still reduce that amount.

Years versus catch-up

A younger starting age can produce more total contribution years, while an older starting age may reach catch-up room sooner. The table shows both forces together.

Compare with your plan

Compare the max scenario with your entered contribution plan in the result panel to see whether contribution size or investment return is the bigger lever.

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