How much can I contribute to a Roth IRA in 2026?

The 2026 Roth IRA contribution limit is $7,500 for individuals under age 50, and $8,600 for those age 50 and older (includes the $1,100 catch-up contribution). These limits apply across both Roth and Traditional IRAs combined — you cannot contribute $7,500 to a Roth and $7,500 to a Traditional; the $7,500 cap is your total.

What is the Roth IRA income phase-out for 2026?

For 2026, single filers and heads of household can make the full Roth IRA contribution if Modified Adjusted Gross Income (MAGI) is below $153,000; partial contributions are allowed between $153,000 and $168,000; no direct contribution is allowed at MAGI of $168,000 or above. Married filing jointly: full contribution below $242,000; partial between $242,000 and $252,000; no contribution at $252,000 or above. Married filing separately: phased out above $10,000.

What is the difference between a Traditional and a Roth IRA?

Traditional IRA: contributions are tax-deductible (if eligible), growth is tax-deferred, withdrawals are taxed as ordinary income. Roth IRA: contributions are after-tax (no deduction), growth is tax-free, qualified withdrawals are tax-free. Traditional gives a tax break now; Roth gives a tax break in retirement. Choose Roth if you expect to be in a higher tax bracket later; Traditional if you expect a lower bracket later. Income limits apply only to Roth contributions; Traditional IRA deductions have their own phase-outs.

Can I contribute to a Roth IRA if I earn too much?

Not directly — once MAGI exceeds the upper phase-out threshold ($168,000 single, $252,000 MFJ for 2026), you cannot contribute to a Roth IRA. Two workarounds: (1) Backdoor Roth — contribute to a non-deductible Traditional IRA then convert to Roth (works only if you have no other pre-tax IRA balances due to the pro-rata rule); (2) Mega Backdoor Roth — if your 401(k) plan allows after-tax contributions and in-service conversions, you can effectively shelter far more than the Roth IRA limit.

When can I withdraw from a Roth IRA without penalty?

You can withdraw your Roth IRA contributions (the money you put in) at any time, tax-free and penalty-free. Withdrawing earnings before age 59½ triggers income tax plus a 10% penalty unless an exception applies (first-time home purchase up to $10,000, qualified education expenses, medical expenses over 7.5% AGI, birth or adoption up to $5,000, substantially equal periodic payments, disability, or death). The five-year rule applies separately to each conversion and to the account itself for qualified earnings withdrawals.

Does a Roth IRA have Required Minimum Distributions (RMDs)?

No — Roth IRAs do not require distributions during the original owner's lifetime. This is one of the key advantages over Traditional IRAs and 401(k)s, which must begin RMDs at age 73. Beneficiaries who inherit a Roth IRA do have post-death RMD rules. Roth 401(k)s, by contrast, do have RMDs starting at 73; you can roll a Roth 401(k) into a Roth IRA at retirement to avoid them.

Roth IRA計算機 - 2026年上限7,000ドル + フェーズアウト

Roth IRA Projection

Current age

Retirement age

Current Roth IRA balance

Annual contribution (max)

2026 limit: $7,500 under 50; $8,600 age 50+

Expected annual return (%)

Filing status

Current Modified Adjusted Gross Income (MAGI)

2026 phase-out range: $153,000–168,000

Result at age 65

Projected balance:

$1,074,424

Total contributions:

$245,000

Tax-free investment growth:

$819,424

Years to retirement:

Your income is below the phase-out threshold — you can contribute the full amount.

Roth IRA withdrawals of contributions are always tax- and penalty-free. Withdrawals of earnings before age 59½ are subject to income tax plus a 10% penalty unless an exception applies.

Category	2026 Limit
Under age 50	$7,500
Age 50 and older (includes catch-up)	$8,600
Single / Head of Household MAGI phase-out	$153,000 – $168,000
Married Filing Jointly MAGI phase-out	$242,000 – $252,000
Married Filing Separately	Phased out above $10,000

Category

2026 Limit

Under age 50

$7,500

Age 50 and older (includes catch-up)

$8,600

Single / Head of Household MAGI phase-out

$153,000 – $168,000

Married Filing Jointly MAGI phase-out

$242,000 – $252,000

Married Filing Separately

Phased out above $10,000

クイックアンサー：月500ドル・30年（Roth IRA）

25歳から年6,000ドル、年7%リターン：

年齢	積立合計	成長	税引後残高
35歳	6万ドル	3万ドル	9万ドル
45歳	12万ドル	15.6万ドル	27.6万ドル
55歳	18万ドル	48.9万ドル	66.9万ドル

条件を満たす引き出しは**完全に非課税**（元本＋成長）。RMDなし。2026年MAGIフェーズアウト：独身15万〜16.5万ドル、既婚23.6万〜24.6万ドル。

Frequently asked questions

Everything you need to know about this calculator. Can't find what you're looking for? Email our team.

A Roth IRA calculator is a free retirement planning tool that projects how much your Roth IRA account will grow by retirement and whether your income lets you contribute the full amount. Our Roth IRA calculator factors in current balance, annual contribution, expected return, MAGI, filing status, and years to retirement. The Roth IRA calculator also tells you whether you're in the phase-out range and adjusts the projected contribution accordingly.

How to project your Roth IRA balance at retirement

Our Roth IRA calculator projects how your account grows tax-free, factoring in the IRS contribution limit and your MAGI phase-out range.

1
Enter your age and target retirement age
Type your current age and the age you plan to retire. The Roth IRA calculator uses the difference as the projection horizon.
2
Enter current balance and planned annual contribution
Type the amount already in your Roth IRA and how much you plan to contribute each year (up to the IRS limit). The Roth IRA calculator caps at $7,500 (under 50) or $8,600 (age 50+).
3
Set your expected annual return
Enter the expected annual return. Roth IRAs typically hold stock-and-bond portfolios — historical S&P 500 nominal return is ~10%, conservative is 6-7%. The Roth IRA calculator models this as a constant annual rate.
4
Enter your MAGI and filing status
Type your Modified Adjusted Gross Income (line 11 of Form 1040 plus add-backs). Pick single or married filing jointly. The Roth IRA calculator uses this to determine your allowed contribution (full, partial, or zero in the phase-out range).
5
Read the result
The Roth IRA calculator shows your projected tax-free balance at retirement, total contributions, total tax-free investment growth, and whether your income keeps you in the contribution phase-out range.

Roth IRA計算機

Roth IRA Projection

Result at age 65

2026 Roth IRA Contribution Limits

クイックアンサー：月500ドル・30年（Roth IRA）

参考文献

Verified accuracy

Instant results

Your data stays private

Learn as you calculate

Frequently asked questions

How to project your Roth IRA balance at retirement

Enter your age and target retirement age

Enter current balance and planned annual contribution

Set your expected annual return

Enter your MAGI and filing status

Read the result

Related Calculators

IRA Calculator

401(k) Calculator

Retirement Calculator

RMD Calculator