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Roth IRA Contribution Limit Calculator (2026)
Applies 2026 IRS Roth IRA statutory limits and MAGI phase-outs, then caps the result by taxable compensation. Not eligibility advice.
Limitation: Educational worksheet for tax year 2026 limits announced by the IRS.
How to Estimate a Roth IRA Contribution Cap
Use filing status and MAGI for the phase-out, then age and compensation for catch-up and the earned-income ceiling.
Select the filing status that matches your scenario.
Rules can change yearly
This model encodes 2026 figures. Re-check IRS releases before contributing in a later year.
What the Roth IRA Limit Result Means
A scenario maximum after statutory limit, MAGI phase-out, and compensation cap—not permission to contribute or a brokerage instruction.
Worked Roth IRA Examples
Full limit under phase-out
Inputs
Result
MAGI is below the 2026 single phase-out start.
Mid phase-out
Inputs
Result
Reduced by the remaining fraction of the 15,000 phase-out range.
Age 52 catch-up, joint filer
Inputs
Result
Base 7,500 plus 1,100 catch-up under the joint phase-out start.
Frequently Asked Questions
Still have questions about this calculation?
Try the CalculatorRoth IRA Limit Formulas (2026)
Based on IRS cost-of-living adjustments for IRA and Roth IRA limits.
Formula
Statutory limit
7,500 + (1,100 if age ≥ 50 else 0)
Phase-out reduction
limit × (phase-out end − MAGI) ÷ range, round down to $10
Final max
min(income-limited amount, taxable compensation, statutory limit)
Scientific Background
Sources: IRS newsroom IRA limit announcement for 2026 and Publication 590-A phase-out mechanics. Limitations: MAGI add-backs, married-filing-separately nuances when spouses lived apart, and employer-plan interactions are simplified. Effective rules date: 2026-01-01.
Sources & review
Roth IRA Contribution Calculator documents the references behind its formulas and assumptions. Always treat results as educational estimates, not personalized professional advice.
Last reviewed
July 22, 2026
IRS digital assets / tax reference
Internal Revenue Service (IRS)
https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500IRS digital assets / tax reference
Internal Revenue Service (IRS)
https://www.irs.gov/publications/p590aFree Calculator Hub methodology
Free Calculator Hub
/methodology
See our methodology and corrections policy.