按 2026 年 IRS 限额 $7,000（50+ catch-up $1,000）计算免税退休账户余额。含 MAGI 收入 phase-out 和 Backdoor Roth 策略。
2026 限额：50 岁以下 $7,500；50 岁以上 $8,600
2026 阶段性退出区间：$153,000–$168,000（单身）或 $242,000–$252,000（联合申报）
$1,074,424
$245,000
$819,424
35
您的收入低于阶段性退出门槛 — 可以足额供款。
Roth IRA 供款部分的提取始终免税且无罚金。59½ 岁前提取收益部分需缴纳所得税加 10% 罚金，除非符合例外情形。
| 类别 | 2026 限额 |
|---|---|
| 50 岁以下 | $7,500 |
| 50 岁及以上（含追加供款） | $8,600 |
| 单身 / 户主 MAGI 阶段性退出 | $153,000 – $168,000 |
| 已婚联合申报 MAGI 阶段性退出 | $242,000 – $252,000 |
| 已婚分别申报 | 超过 $10,000 即阶段性退出 |
来源：IRS 2025 年秋季公告（Charles Schwab、 Motley Fool、 Wells Fargo 确认）。2026 年 Roth IRA 供款限额从 2025 年的 $7,000 提高至 $7,500。
25 岁起每月供款 $500（年化 $6,000，刚好低于 2026 限额 $7,000），假设 7% 年化收益：
| 年龄 | 累计供款 | 投资增长 | 账户余额（100% 免税提取） |
|---|---|---|---|
| 35 | $60,000 | $30,000 | $90,000 |
| 45 | $120,000 | $156,000 | $276,000 |
| 55 | $180,000 | $489,000 | $669,000 |
关键优势：合格提取**完全免税**（本金 + 增长都免税），无 RMD（必需最低分配额）。2026 MAGI phase-out：单身 $150K-$165K、夫妻联合 $236K-$246K。超过上限可用 **Backdoor Roth**（非 deductible IRA → Roth conversion）。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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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 it works
Our Roth IRA calculator projects how your account grows tax-free, factoring in the IRS contribution limit and your MAGI phase-out range.
Type your current age and the age you plan to retire. The Roth IRA calculator uses the difference as the projection horizon.
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+).
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.
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).
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.
Project Traditional and Roth IRA growth to retirement with side-by-side tax comparison.
Project 401(k) growth with employer match, contribution limits, and tax-deferred compounding.
Project retirement savings and check if you are on track.
Compute your Required Minimum Distribution using the IRS Uniform Lifetime Table.
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