FINANCIAL · ROTH IRA CONTRIBUTION LIMIT

Roth IRA Contribution Limit Calculator

Find your 2026 Roth IRA contribution limit after the MAGI phase-out — enter your income, filing status, and age.

Your Tax Situation

Your modified adjusted gross income for the year.

Age 50+ qualifies for a $1,100 catch-up contribution.

02 Your 2026 Roth IRA Limit
Maximum direct contribution
$7,500.00
Full contribution — your MAGI is below the 2026 phase-out range.
03 Contribution Details
2026 base limit$7,500.00
04 Phase-Out Range (2026)
Phase-out begins$153,000.00
Phase-out complete$168,000.00

2026 figures from IRS Rev. Proc. 2025-32. This calculator covers direct Roth IRA contributions only — backdoor Roth and conversion rules are not modeled. For informational purposes only; not tax advice. Consult a tax professional.

About This Calculator

Determine exactly how much you can contribute directly to a Roth IRA in 2026 based on your modified adjusted gross income (MAGI), filing status, and age. Includes the $1,100 catch-up for savers 50 and older and the full MAGI phase-out calculation using official IRS figures.

How It Works

Enter your MAGI (modified adjusted gross income), tax filing status, and age. The calculator applies the 2026 IRS phase-out ranges: if your MAGI is below the lower threshold you get the full contribution limit; if it falls within the phase-out range your limit is reduced proportionally (rounded up to the next multiple of $10, minimum $200); if your MAGI exceeds the upper threshold you are not eligible for a direct Roth IRA contribution for 2026. The 50+ catch-up is applied before the phase-out calculation.

The Formula

Allowed = BaseLimit × (PhaseEnd − MAGI) / (PhaseEnd − PhaseStart) (rounded up to next multiple of $10; minimum $200)

BaseLimit
$7,500 (under 50) or $8,600 (age 50+, including $1,100 catch-up)
MAGI
Modified adjusted gross income for the tax year
PhaseStart
MAGI at which the phase-out begins (varies by filing status)
PhaseEnd
MAGI at which contributions reach $0 (varies by filing status)

Frequently Asked Questions

What is the 2026 Roth IRA contribution limit?
The 2026 Roth IRA contribution limit is $7,500 for individuals under age 50, and $8,600 for those 50 and older (including a $1,100 catch-up contribution). These are subject to reduction based on your modified adjusted gross income (MAGI). Source: IRS Rev. Proc. 2025-32.
What are the 2026 Roth IRA income limits?
For 2026, the MAGI phase-out ranges are: Single filers — $153,000 to $168,000; Married Filing Jointly — $242,000 to $252,000; Married Filing Separately (lived with spouse) — $0 to $10,000. If your MAGI is above the upper threshold, you cannot make a direct Roth IRA contribution for 2026. Source: IRS Rev. Proc. 2025-32.
What is MAGI for Roth IRA purposes?
MAGI (Modified Adjusted Gross Income) for Roth IRA eligibility is your adjusted gross income (AGI) from your tax return with certain deductions added back, such as student loan interest, IRA deductions, and half of self-employment tax. For most people it equals their AGI. Your tax software or a tax professional can calculate your exact MAGI.
Can I still save for retirement if I exceed the Roth IRA income limit?
Yes. Options include a traditional pre-tax 401(k) or IRA (which may be deductible), contributing to a workplace 401(k)/403(b) regardless of income, or a backdoor Roth IRA (converting a non-deductible traditional IRA contribution to Roth). Backdoor Roth conversion rules are not modeled in this calculator — consult a tax professional.
Does this calculator handle the backdoor Roth IRA?
No. This calculator covers direct Roth IRA contributions and the MAGI phase-out only. Backdoor Roth conversions, Roth 401(k) contributions, and rollover rules are outside the scope of this tool.