Roth IRA Contribution Calculator 2026
Not everyone can contribute the full amount to a Roth IRA — the IRS phases out eligibility as your income rises. Enter your filing status, modified adjusted gross income (MAGI), and age to find your exact 2026 Roth IRA contribution limit: full, reduced, or $0. Runs entirely in your browser.
2026 IRS figures used: contribution limit $7,500 (under 50) / $8,600 (50+, includes $1,100 catch-up). Phase-out MAGI ranges — Single/HOH: $153,000–$168,000; Married filing jointly: $242,000–$252,000; Married filing separately (lived with spouse): $0–$10,000. Verified against IRS 2026 COLA announcements.
Frequently Asked Questions
What is the Roth IRA contribution limit for 2026?
$7,500 if you're under 50 at year-end, or $8,600 if you're 50 or older (the extra $1,100 is the catch-up contribution, inflation-adjusted starting in 2026 under SECURE 2.0). But that's the maximum — your income may reduce it, which is exactly what this calculator figures out.
What are the 2026 Roth IRA income limits?
Eligibility phases out on modified adjusted gross income (MAGI): Single or head of household filers get the full contribution under $153,000 MAGI, a reduced amount from $153,000–$168,000, and nothing at $168,000+. Married couples filing jointly get the full amount under $242,000, a reduced amount from $242,000–$252,000, and nothing at $252,000+. Married filing separately after living with your spouse faces a brutal $0–$10,000 range — effectively no direct contribution.
What is MAGI for Roth IRA purposes?
MAGI (modified adjusted gross income) starts with your adjusted gross income and adds back certain deductions like student loan interest, foreign earned income exclusions, and IRA deductions. For most people it's very close to AGI — check IRS Publication 590-A Worksheet 2-1 for the exact computation.
What if I earn too much for a Roth IRA?
The standard workaround is the backdoor Roth IRA: contribute to a traditional (non-deductible) IRA — which has no income limit — then convert it to a Roth. Conversions have no income limit. It's cleanest if you hold no other pre-tax IRA money, because the pro-rata rule can make conversions partly taxable. Talk to a tax professional before doing one.
Can I contribute to a Roth IRA if I have a 401(k)?
Yes. Having a workplace retirement plan doesn't affect Roth IRA eligibility at all — only your income (MAGI) and filing status matter. Your 401(k) contributions have their own separate limits.
What's the deadline for 2026 Roth IRA contributions?
You can contribute for tax year 2026 from January 1, 2026 through April 15, 2027. Contributions in the January–April window can be designated for either tax year, so tell your broker which year you mean.
Does my earned income limit my contribution?
Yes — your total IRA contributions can't exceed your taxable compensation for the year (wages, salaries, self-employment income; not investment income). If you earned $4,000 in 2026, your max contribution is $4,000 even if the income phase-out would allow $7,500. Use the optional earned-income field above to apply this cap.