Roth IRA Calculator
Estimate your 2025 or 2026 Roth IRA contribution limit from IRS income rules, then project the balance, contributions and tax-free growth over time.
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Result
Enter your values and press Calculate to see the result here.
Frequently asked questions
What is the Roth IRA contribution limit for 2026?
The general IRA contribution limit is $7,500 for 2026. If you are age 50 or older by the end of the year, the $1,100 catch-up raises it to $8,600. That is an aggregate IRA limit, not a separate allowance for every account, and taxable compensation can cap it lower.
What was the Roth IRA contribution limit for 2025?
For 2025 the general limit is $7,000, or $8,000 at age 50 or older because the catch-up is $1,000. Most people can make a 2025 contribution through the unextended tax-return deadline in 2026, but the contribution must be designated for 2025.
How does modified AGI reduce a Roth IRA contribution?
The IRS phases the limit down across a filing-status income band. For 2026 the band is $153,000–$168,000 for single and head-of-household filers, $242,000–$252,000 for joint filers, and $0–$10,000 for a married person filing separately who lived with a spouse. Publication 590-A rounds the reduction up to the next $10 and generally preserves a $200 minimum below the cutoff.
Can I contribute the full limit to both a Roth IRA and a traditional IRA?
No. Roth and traditional IRA contributions share one aggregate annual limit. If your age- and compensation-based limit is $7,500 and you put $2,000 into a traditional IRA, no more than $5,500 remains before any Roth income phase-out is applied.
When does the IRA catch-up contribution begin?
It begins when you are age 50 or older by the end of the tax year. The 2026 IRA catch-up is $1,100; it was $1,000 for 2025. This is an IRA rule and should not be confused with the different catch-up limits for employer 401(k), 403(b), or SIMPLE plans.
Are Roth IRA withdrawals tax-free?
Qualified distributions are federally tax-free. IRS guidance generally requires the five-year holding period and a qualifying event such as reaching age 59½, disability, death, or a permitted first-home distribution. A nonqualified earnings withdrawal can be taxable and may face an additional tax, so this balance projection is not withdrawal advice.
Does a Roth IRA require withdrawals during the owner’s lifetime?
No required minimum distributions apply to the original Roth IRA owner under current IRS rules, although beneficiaries are subject to inherited-account distribution rules. That lets an owner leave qualified money growing, but it does not make contribution limits disappear.
Will the calculator automatically raise future contribution limits?
No. It deliberately holds the selected year’s law, calculated annual contribution, MAGI and filing status constant for the whole projection. Congress, IRS inflation adjustments, future income, and turning 50 can all change real contribution room, so revisit the calculation each tax year.
Sources
- Publication 590-A (2025), Contributions to Individual Retirement Arrangements — Internal Revenue Service, retrieved 2026-08-15
- 401(k) limit increases to $24,500 for 2026; IRA limit increases to $7,500 — Internal Revenue Service, retrieved 2026-08-15
- COLA increases for dollar limitations on benefits and contributions — Internal Revenue Service, retrieved 2026-08-15
- Compound Interest Calculator — U.S. Securities and Exchange Commission, Investor.gov, retrieved 2026-08-15
- Roth comparison chart — Internal Revenue Service, retrieved 2026-08-15
- Retirement topics — Required minimum distributions — Internal Revenue Service, retrieved 2026-08-15