U.S. Retirement

Roth IRA Contribution Calculator 2026

Estimate how much you can contribute directly to a Roth IRA for 2026 using your filing status, Roth-IRA modified AGI, taxable compensation and other IRA contributions.

2026 IRA limits used

Rule	2026 amount
Regular IRA contribution limit	$7,500
Age-50+ catch-up	$1,100
Maximum if age 50+	$8,600

2026 Roth IRA income phaseouts

Filing status	Phaseout range
Single / head of household	$153,000–$168,000
Married filing jointly / qualifying surviving spouse	$242,000–$252,000
Married filing separately and lived with spouse	$0–$10,000

Calculation method

Start with the statutory annual IRA limit for your age: $7,500, or $8,600 if age 50 or older.
Apply the IRS Roth IRA modified-AGI phaseout to that statutory limit when income falls inside the applicable range.
Round a reduced contribution limit up to the nearest $10, with the IRS $200 minimum rule where applicable.
Separately cap the result by taxable compensation, then subtract contributions to other traditional or Roth IRAs because they share the same annual IRA contribution ceiling.

This calculator estimates the limit for a direct Roth IRA contribution. It does not determine the tax consequences of Roth conversions or “backdoor Roth” strategies. Modified AGI for Roth purposes can differ from ordinary AGI, and spousal IRA rules can change the compensation limitation for married couples filing jointly.

Primary sources

Methodology & verification

Regular IRA limit: $7,500 for 2026.
Age-50+ catch-up: $1,100 for 2026.
Single/HOH Roth phaseout: $153,000–$168,000 modified AGI.
MFJ Roth phaseout: $242,000–$252,000 modified AGI.
Last reviewed: 2026-09-17

Read Solveberry’s calculation methodology.