Disclaimer: This calculator provides estimates for educational purposes only. Contribution limits and eligibility rules may change. Consult a qualified financial advisor or tax professional before making investment decisions.
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How to Calculate Your Roth IRA Contribution Limit
Your 2026 Roth IRA contribution limit depends on your MAGI, filing status, taxable compensation, and contributions already made to any traditional or Roth IRA. Use the 401k Calculator with Match alongside this tool if you contribute to both accounts. The IRS phase-out formula works in four steps:
Step 1: Set base limit
Age < 50: $7,500 / year
Age ≥ 50: $8,600 / year ($1,100 catch-up)
Cap at taxable compensation and subtract other IRA contributions
If MAGI ≤ range_base: phase_pct = 0 (full limit applies)
If MAGI ≥ range_top: contribution = $0
Step 3: Apply reduction
reduced = base_limit x (1 - phase_pct)
Round up to nearest $10; min $200 if partially eligible
Then apply remaining compensation and combined-IRA room
Step 4: Project future value (annuity due)
FV = PMT x ((1+r)^n - 1) / r x (1+r)
2026 Phase-Out Table: Single Filers (Under 50)
MAGI
Phase-Out %
Allowed (Under 50)
Under $153,000
0%
$7,500
$155,000
13.3%
$6,500
$160,500
50%
$3,750
$163,000
66.7%
$2,500
$166,500
90%
$750
$168,000 or more
100%
$0
Roth IRA Contribution Limits for 2026
The IRS raised the combined traditional and Roth IRA limit to $7,500 for 2026 and the age-50 catch-up to $1,100. Your contribution also cannot exceed taxable compensation, and contributions to other traditional or Roth IRAs use the same combined annual limit.
Parameter
2026 amount
Contribution limit (under 50)
$7,500
Contribution limit (50 and older)
$8,600
Single / HOH phase-out
$153,000–$168,000
Married filing jointly phase-out
$242,000–$252,000
MFS, lived with spouse during year
$0–$10,000
These are 2026 federal limits. This calculator does not determine Roth-specific MAGI, spousal-IRA eligibility, excess-contribution corrections, or the tax consequences of a conversion.
Backdoor Roth IRA Considerations for 2026
A so-called backdoor Roth is a contribution-and-conversion process sometimes considered by people above the direct Roth income limits. It can create tax and reporting consequences, especially when other pre-tax IRA balances exist. The Dividend DRIP Calculator can model how tax-free compounding affects reinvested dividend growth over the same timeline.
Step 1: Contribute to a non-deductible traditional IRA
Combined IRA limit: $7,500 (under 50) or $8,600 (50+)
Taxable compensation and combined-IRA limits still apply
Step 2: Convert the traditional IRA to Roth
No income limit on the Roth conversion
The taxable portion depends on basis, earnings, and the pro-rata rule
Form 8606 reporting may be required
The Pro-Rata Rule
If you have pre-tax IRA balances (rollover IRAs, SEP IRAs, SIMPLE IRAs), the IRS treats all IRAs as one pool when calculating the taxable share of your conversion. The taxable fraction equals pre-tax IRA assets divided by total IRA assets.
Example only: if your year-end traditional, SEP, and SIMPLE IRA balances include substantial pre-tax money, much of a conversion may be taxable even after a nondeductible contribution. Confirm the basis, year-end balance, and Form 8606 treatment with a qualified tax professional before acting.
Roth IRA Contribution Deadline for 2026
A 2026 IRA contribution is generally due by the due date of your 2026 federal income tax return in 2027, not including extensions. Confirm the filing deadline and make sure your custodian records the intended contribution year.
Tax Year
Contribution Deadline
Extension Applies?
2025
April 15, 2026
No
2026
2027 federal return due date
No
A tax return extension does not extend the IRA contribution deadline. Check current IRS guidance if a disaster declaration or other special relief could change the deadline for you.
Example Calculation
Suppose you are 35 years old, single, with $80,000 of taxable compensation, no other IRA contributions, and MAGI of $155,000. Your income is in the 2026 phase-out range. You plan to invest at 7% for 30 years. See the Coast FIRE Calculator to model when a partially funded Roth IRA can grow to your target without additional contributions.
MAGI$155,000
Filing statusSingle
Phase-out range$153,000 to $168,000
Phase-out %($155k - $153k) / $15k = 13.3%
Base limit (under 50)$7,500
Reduced: $7,500 x (1 - 0.1333) = $6,500round up to $10
Allowed contribution$6,500 / year
$6,500/yr at 7% for 30 years (annuity due)FV formula
Total contributions$195,000
Projected growth+$462,000 est.
Projected balance~$657,000
Common Mistakes to Avoid
Contributing over the income limit
If you contribute when your MAGI exceeds the top of the phase-out range, you owe a 6% excise tax on the excess each year until corrected. Remove the excess before the tax deadline or recharacterize it as a traditional IRA contribution.
Using gross income instead of MAGI
MAGI differs from gross income. Pre-tax 401k contributions, student loan interest deductions, and rental losses can all reduce MAGI below your gross pay. Always calculate MAGI before checking eligibility.
Missing the contribution deadline
IRA contributions are generally due by the federal return due date for that tax year, excluding extensions. Confirm the current deadline and tell your custodian which contribution year to use.
Oversimplifying Roth withdrawal rules
Contribution basis, conversions, earnings, five-year periods, age, and exceptions can affect taxes and penalties. Check IRS Publication 590-B before planning a withdrawal.
Treating a backdoor Roth as automatically tax-free
A conversion can be partly taxable under the pro-rata rule, and basis reporting matters. Review all traditional, SEP, and SIMPLE IRA balances and get tax advice before using this strategy.
Frequently Asked Questions
For 2026, the combined traditional and Roth IRA contribution limit is $7,500, or $8,600 if you are age 50 or older, and it cannot exceed your taxable compensation. Direct Roth IRA contributions phase out from $153,000 to $168,000 for single and head-of-household filers and from $242,000 to $252,000 for married couples filing jointly.
IRS summary of who can contribute to a Roth IRA, the income limits, and the 6% excise tax on excess contributions.
HR
Hassaan Rasheed
Developer and Researcher, CalculatorFlux
Researches and verifies the formulas, methodology, and source data behind each calculator on CalculatorFlux. All tools are built and checked against the cited references before publication.
Last reviewed: August 2026
2026 Roth IRA Limits
Filing Status
Phase-Out
Single / HOH
$153k–$168k
Married Filing Jointly
$242k–$252k
Married Filing Sep.
$0–$10k
Contribution (under 50)
$7,500
Contribution (50+)
$8,600
Roth vs. Traditional IRA
Tax on contributionsAfter-taxPre-tax
Tax on withdrawalsTax-freeTaxed as income
Required min. dist.NoneAge 73+
Income limitYesNo (deduction limit)
Best if tax rateHigher laterLower later
RothTraditional
Pro Tip
Open a Roth IRA even in years when you can only contribute a small amount. The 5-year rule clock starts when you open the account, not when you make your first large contribution. A $1 contribution today starts the clock.