Phase-out testing
Try changing filing status and modified AGI to see when the first-year eligible contribution estimate changes.
Phase-out calculator2026 income ranges
Roth IRA phase-out calculator
Estimate how 2026 Roth IRA income phase-out ranges may reduce contribution room.
Contribution may be limited
Your requested annual contribution is above the estimated 2026 Roth IRA limit for this filing status and income.
Roth IRA calculator guide
How this Roth IRA phase-out calculator works
This Roth IRA phase-out calculator focuses on how modified AGI and filing status can reduce direct contribution room.
The estimator uses labeled 2026 phase-out ranges and shows warnings when direct contributions may be limited.
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.
Phase-out calculator
How to read phase-out results
Phase-out pages should make the income ranges easy to test because small modified AGI changes can change contribution room.
Choose the right range
The phase-out calculation starts by selecting the range for your filing status. Single and head-of-household filers use a different range than married filing jointly or married filing separately.
Inside the range
When modified AGI is inside the range, the estimator reduces the direct Roth IRA contribution limit. The closer the input is to the top of the range, the smaller the modeled contribution room becomes.
Above the range
If modified AGI is above the top of the range, the page can show zero direct Roth IRA contribution room. That does not model alternative strategies; it only describes direct contribution eligibility.
Result warning
The warning above the result is part of the phase-out workflow. It helps call attention to reduced or unavailable direct contribution room before you focus on the growth projection.
Boundary testing
Try values just below, inside, and just above the range to see how quickly direct contribution room changes. This is useful when taxable income, deductions, or retirement-plan adjustments are still being finalized.
Separate filer caution
The married filing separately range can be especially narrow when living with a spouse. This page keeps that case visible because it behaves differently from the wider single and joint ranges.
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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.
How does the Roth IRA phase-out affect contributions?
When modified AGI falls inside the applicable phase-out range, the estimator reduces the direct Roth IRA contribution limit. When it is above the range, direct contribution room may be zero.
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.
2026 Roth IRA phase-out ranges
Roth IRA contribution eligibility depends on filing status and modified adjusted gross income. When your income is inside the phase-out range, this estimator reduces the modeled annual contribution limit.
Single or head of household
For tax year 2026, the estimator uses a Roth IRA phase-out range of $153,000 to $168,000 for single filers, heads of household, and qualifying separate filers who did not live with a spouse during the year.
Married filing jointly
For married filing jointly and qualifying surviving spouse filers, the 2026 phase-out range used by this estimator is $242,000 to $252,000.
Married filing separately, lived with spouse
For married filing separately when living with a spouse, the direct Roth IRA contribution phase-out range used here is $0 to $10,000.
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