Roth IRA Calculator

Project your tax-free Roth IRA balance and check how much you can contribute in 2026.

By the CalculateBright team · Updated · How we calculate

2026 eligibility
  

    How to use the Roth IRA calculator

    1. Enter your numbers. Fill in current age, retirement age, current Roth IRA balance, planned yearly contribution, expected annual return, tax rate in retirement.
    2. Enter 2026 eligibility details. Fill in filing status, modified AGI.
    3. Read your results. Results update instantly. The headline shows the Roth IRA at age 65; the breakdown below show the details.

    2026 Roth IRA rules

    • Contribution limit: $7,500, or $8,600 if you’re 50 or older ($1,100 catch-up). The limit is shared across all your traditional and Roth IRAs.
    • Income phase-out (MAGI): $153,000–$168,000 for single and head of household; $242,000–$252,000 for married filing jointly.
    • You also can’t contribute more than your earned income for the year.

    Within the phase-out, the IRS reduces your limit proportionally, rounds up to the next $10, and allows at least $200 if you’re not fully phased out.

    How the projection works

    Balance = current × (1 + r)n + contributions grown at r

    Contributions are spread monthly and the return is compounded monthly. Qualified withdrawals (after age 59½ and 5 years) are tax-free, so the growth figure is money you never pay tax on.

    Roth vs. traditional

    Roth contributions are made with after-tax money; traditional contributions may be deductible now and taxed later. A Roth wins if your tax rate in retirement is higher than it is today.

    Worked example

    With these inputs: current age 30; retirement age 65; current Roth IRA balance $10,000; planned yearly contribution $7,500; expected annual return 7%; tax rate in retirement (for comparison) 22%; filing status Single; modified AGI $85,000.

    The calculator gives a Roth IRA at age 65 of $1,240,721 (tax-free in retirement (qualified withdrawals)). Other results: your 2026 contribution limit $7,500, contribution used $7,500, tax-free growth $968,221, tax saved vs. taxable at 22% $213,009.

    What your results mean

    The balance at retirement is what your Roth could grow to at the return you entered; qualified withdrawals are tax-free. The contribution limit shows what the 2026 rules allow at your income.

    Tips

    • Contribute early in the year to give money more time to grow.
    • Get any 401(k) match before funding a Roth IRA.
    • If your income is near the phase-out, estimate MAGI carefully.

    Frequently asked questions

    What is the Roth IRA limit for 2026?

    $7,500, or $8,600 at age 50+. It phases out between $153,000 and $168,000 MAGI for single filers and $242,000–$252,000 for joint filers.

    How much will my Roth IRA be worth in 30 years?

    Contributing $7,500 a year at 7% grows to roughly $750,000 in 30 years.

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

    Not directly above the phase-out, but many people use a “backdoor” Roth: a nondeductible traditional IRA contribution converted to Roth. Watch the pro-rata rule.

    When can I withdraw from a Roth IRA?

    Contributions can be withdrawn any time tax- and penalty-free. Earnings are tax-free after 59½ once the account is 5 years old.

    What is the deadline for 2026 contributions?

    The tax filing deadline in April 2027 (not including extensions).

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    Sources