Roth IRA eligibility
To contribute directly to a Roth IRA, you generally need eligible compensation and must satisfy the applicable income limits. There is no general maximum age that prevents an otherwise eligible individual from contributing.
U.S. retirement calculator
Roth IRA Calculator 2026
Estimate your eligible Roth IRA contribution, the effect of income limits, and the potential future growth of your retirement savings based on your age, income, contributions, and expected investment return.
Roth IRA in 2026
How much can you contribute to a Roth IRA in 2026?
The combined annual contribution limit for Traditional and Roth IRAs is US$ 7,500 in 2026. Eligible individuals age 50 or older may contribute an additional US$ 1,100 catch-up amount, for a potential total limit of US$ 8,600. Direct Roth IRA contributions may be reduced or prohibited at higher income levels.
Projection
Projection information
Estimate the future value of your Roth IRA based on IRS rules and your investment assumptions for 2026.
Quickly estimate the future growth of your Roth IRA using only the essential information.
Enter the required information and click "Calculate" to display your results.
Roth IRA contribution limits for 2026
Roth IRA contributions are subject to the combined annual IRA contribution limit. Your actual allowable contribution may also be limited by your taxable compensation and modified adjusted gross income.
| 2026 rule | Amount |
|---|---|
| Standard combined Traditional and Roth IRA annual limit | US$ 7,500 |
| Catch-up contribution for age 50 or older | US$ 1,100 |
| Potential total limit for age 50 or older | US$ 8,600 |
The annual IRA contribution limit is shared between Traditional and Roth IRAs. For example, a contribution to a Traditional IRA reduces the amount you may contribute to a Roth IRA for the same year.
Roth IRA income limits for 2026
Eligibility to make a direct Roth IRA contribution depends on your modified adjusted gross income (MAGI) and tax filing status. Within the phase-out range, your maximum allowable contribution is gradually reduced.
| Filing status | MAGI phase-out range |
|---|---|
| Single or head of household | US$ 153,000 – US$ 168,000 |
| Married filing jointly | US$ 242,000 – US$ 252,000 |
| Married filing separately in the applicable situation | US$ 0 – US$ 10,000 |
Individuals below the phase-out range can generally contribute up to the applicable limit. Within the phase-out range, the maximum contribution is reduced. Above the range, direct Roth IRA contributions are generally not allowed.
Income phase-out rules
Your MAGI and filing status determine whether you may make the full Roth IRA contribution, a reduced contribution or no direct contribution. The calculator estimates this reduction using the information entered.
Retirement growth projection
The calculator projects potential Roth IRA growth using your starting balance, contributions, investment horizon, expected return and applicable fees. Actual future investment returns remain uncertain.
Roth IRA contribution rules
The annual contribution limit is only one part of Roth IRA eligibility. Your contribution may also be limited by compensation, contributions to other IRAs, and income.
Your total IRA contributions generally cannot exceed your eligible taxable compensation for the year when that compensation is lower than the annual contribution limit.
The US$ 7,500 limit for 2026 is shared between Traditional and Roth IRAs. You do not receive a separate US$ 7,500 limit for each type of IRA.
Individuals age 50 or older may qualify for an additional US$ 1,100 catch-up contribution in 2026, subject to the other eligibility rules.
IRA contributions for a tax year can generally be made through the applicable tax return filing deadline, without regard to certain filing extensions.
How is a Roth IRA taxed?
The primary federal tax advantage of a Roth IRA generally occurs when qualified distributions are withdrawn rather than when contributions are made.
Roth IRA contributions are generally made with after-tax dollars and are not deductible from federal taxable income.
Investment earnings can generally grow inside the Roth IRA without annual federal taxation while the money remains in the account.
Qualified distributions can generally be withdrawn free of federal income tax when the applicable requirements are satisfied. Rules involving earnings, age and holding periods should still be reviewed carefully.
Traditional IRA vs. Roth IRA: what is the difference?
Both accounts can be used for retirement savings, but their tax treatment and certain eligibility rules differ.
Traditional IRA
Contributions may sometimes be deductible depending on income and participation in a workplace retirement plan. Taxable retirement distributions are generally included in income.
Roth IRA
Contributions are generally not deductible, but qualified distributions may be free of federal income tax. Direct contributions are subject to income limits.
Roth IRA calculator FAQ
What is the Roth IRA contribution limit for 2026?
The combined annual Traditional and Roth IRA contribution limit is US$ 7,500 for 2026. Eligible individuals age 50 or older can generally make an additional US$ 1,100 catch-up contribution, for a potential total limit of US$ 8,600.
What income is too high for a direct Roth IRA contribution in 2026?
It depends on your filing status and MAGI. For 2026, the phase-out range is US$ 153,000 to US$ 168,000 for single filers and heads of household, and US$ 242,000 to US$ 252,000 for married couples filing jointly.
Can I contribute to both a Traditional IRA and a Roth IRA in the same year?
Yes, if you are eligible, but both accounts share the same annual IRA contribution limit. Your combined contributions generally cannot exceed the applicable annual limit.
Are Roth IRA contributions tax-deductible?
No. Roth IRA contributions are generally made with after-tax dollars and do not provide a federal income tax deduction.
Is the Roth IRA calculator exact?
The calculator provides an estimate based on the information entered and the rules modeled. Actual eligibility and investment results can differ based on your tax situation, compensation, other IRA contributions, fees, investment returns, and future rule changes.
Important information
Roth IRA eligibility depends on factors including eligible compensation, tax filing status, MAGI and contributions to other IRAs. Contribution limits and income thresholds may be adjusted by the IRS in future years.
Results are provided for informational purposes only and do not constitute tax, legal, financial or investment advice. Confirm your eligibility and applicable rules with the IRS or a qualified professional before making a financial decision.
Other U.S. retirement calculators
Compare a Roth IRA with other U.S. retirement accounts to evaluate contribution rules, tax treatment and potential long-term savings growth.
Official sources
Official IRS Roth IRA sources
The contribution limits, income thresholds and key Roth IRA rules presented on this page are based on information published by the Internal Revenue Service.