Roth IRA Calculator (2026 Limits, Growth & Income Eligibility)

Estimate how much your Roth IRA could be worth at retirement and check how much you are allowed to contribute in 2026. Enter your age, balance, yearly contribution and expected return. The calculator applies the 2026 IRS limit of $7,500 ($8,600 if you are 50 or older) and the income phase-out for your filing status. Example: $10,000 today plus $7,500 a year at 7% for 35 years grows to about $1.14 million, all of it tax-free if the withdrawal rules are met.

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Current age

yrs

Retirement age

yrs

Current Roth IRA balance

Planned yearly contribution

2026 limit: $7,500, or $8,600 if age 50+.

Expected annual return

Expected inflation

Tax filing status

Modified AGI (MAGI)

Used only to check the Roth income limit.

How to use the Roth IRA Calculator

Enter your current age and the age you plan to retire.
Add your current Roth IRA balance and how much you plan to contribute each year.
Set an expected annual return (many planners use 6% to 8% for a stock-heavy portfolio) and an inflation rate.
Choose your filing status and enter your modified AGI so the calculator can check the income limit.
Press Calculate to see your projected balance, the amount in today’s dollars, and a year-by-year table.

Formula and method

The projection compounds once a year with the contribution added at the end of each year:

Balance_n = P(1 + r)ⁿ + C × [((1 + r)ⁿ − 1) / r]

P is your starting balance, C the yearly contribution, r the annual return and n the number of years. For $10,000 starting balance, $7,500 a year, 7% and 35 years: 10,000 × 10.6766 + 7,500 × 138.2369 = $1,143,542 (rounded). Dividing by (1 + inflation)ⁿ converts the result into today’s dollars.

2026 Roth IRA contribution and income limits

Rule	2026 amount
Contribution limit (under 50)	$7,500
Catch-up contribution (age 50+)	+$1,100 ($8,600 total)
Phase-out, single or head of household	$153,000 to $168,000 MAGI
Phase-out, married filing jointly	$242,000 to $252,000 MAGI
Phase-out, married filing separately	$0 to $10,000 MAGI

Inside a phase-out range your limit shrinks in proportion to how far your income is into the range. The calculator rounds a reduced limit up to the next $10 and uses a $200 minimum, as the IRS worksheet does.

Roth IRA vs. Traditional IRA

Roth contributions are made with after-tax money, so qualified withdrawals in retirement are tax-free. Traditional IRA contributions may be deductible now, but withdrawals are taxed as income later. A Roth tends to win when you expect a higher tax rate in retirement than today.

Frequently asked questions

What is the Roth IRA contribution limit for 2026?

$7,500 for most savers, or $8,600 if you are 50 or older by the end of the year. The limit applies across all your IRAs combined, and you cannot contribute more than your taxable earned income.

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

Direct contributions phase out between $153,000 and $168,000 of MAGI for single filers and between $242,000 and $252,000 for married couples filing jointly. Above the range you cannot contribute directly, though a backdoor Roth conversion may be an option worth discussing with a tax professional.

When can I withdraw from a Roth IRA tax-free?

Earnings are tax-free once you are 59½ and the account has been open at least five tax years. You can withdraw your original contributions at any time without tax or penalty.

What return should I assume?

Long-run U.S. stock market returns have averaged roughly 10% a year before inflation, or about 7% after inflation, but returns vary widely from year to year. Run the calculator with a conservative and an optimistic rate to see a range.

Does this calculator guarantee results?

No. It is an educational estimate that assumes a constant return and a level contribution. Real investments rise and fall, and limits change every year.

Sources

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Effortless Math Team

10 minutes ago