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Roth IRA calculator — 2026 limits & growth by age
Free Roth IRA contribution calculator for US savers: see your maximum Roth IRA contribution from MAGI, filing status, and age, then project balance at retirement with annual or monthly-style contributions and hypothetical growth. Live chart, yearly schedule, optional Roth vs taxable view, and CSV/PDF export — no sign-up.
What is a Roth IRA?
A Roth IRA is an individual retirement account funded with after-tax dollars. Qualified withdrawals in retirement may be tax-free, including investment growth, if IRS rules are met (including age and the five-year rule).
Unlike a workplace 401(k), there is no employer match. Modified adjusted gross income (MAGI) and filing status can reduce or eliminate how much you can contribute each tax year — this tool applies those caps before projecting growth.
How to use this Roth IRA calculator
Set tax year and filing status
Choose 2025 or 2026 and your IRS filing status. These drive Roth IRA income phase-out ranges and the annual contribution limit.
Enter MAGI and earned income
Add modified adjusted gross income (MAGI) and earned income. Set current age as your age at the end of the tax year (for 50+ catch-up). Contributions cannot exceed earned income or the IRS limit after phase-out.
Add balance, contributions, and return
Set current Roth balance, planned annual contribution (or Max allowed), and expected return. Presets include max-out and near phase-out examples. Use Advanced for taxable comparison or inflation.
Review eligibility and export
See max contribution, projected balance at retirement by age, chart, and yearly schedule. Download CSV or PDF if needed.
2026 Roth IRA contribution limits and MAGI
For 2026, the combined IRA contribution limit (Traditional + Roth) is $7,500 if you are under 50 at the end of the year, or $8,600 with catch-up if you are 50 or older. The calculator applies the same statutory limits for 2025 when you select that tax year ($7,000 / $8,000 catch-up).
| Filing status (2026) | MAGI (modified AGI) | Direct Roth contribution |
|---|---|---|
| Single / head of household | Below $153,000 | Full limit ($7,500 / $8,600 if 50+) |
| Single / head of household | $153,000 – under $168,000 | Reduced (phase-out) |
| Single / head of household | $168,000 or more | No direct contribution |
| Married filing jointly / qualifying surviving spouse | Below $242,000 | Full limit ($7,500 / $8,600 if 50+) |
| Married filing jointly / qualifying surviving spouse | $242,000 – under $252,000 | Reduced (phase-out) |
| Married filing jointly / qualifying surviving spouse | $252,000 or more | No direct contribution |
| Married filing separately (lived with spouse) | Under $10,000 | Reduced (special phase-out) |
| Married filing separately (lived with spouse) | $10,000 or more | No direct contribution |
High earners above these ranges may explore strategies such as a backdoor Roth with a tax professional. This calculator models direct contribution limits only, not conversions.
Official reference: IRS — IRA contribution limits.
Roth IRA contribution deadlines by tax year
IRA contributions count toward a specific tax year, not necessarily the calendar year you deposit money. For most people, you can make 2026 Roth IRA contributions until the federal tax filing deadline (typically April 15, 2027).
You can still fund 2025 until the 2025 filing deadline if you have not maxed that year — select 2025 in the calculator to use 2025 limits and phase-out ranges. Extended filers may have additional time; confirm with the IRS or your tax advisor.
Roth IRA growth calculator by age
The tool applies your contribution each projection year (capped by MAGI phase-out, earned income, and catch-up when you turn 50), then compounds the balance at your assumed annual return. Optional Roth vs taxable mode taxes estimated investment gains in the taxable account at your marginal rate — a simplified planning view, not a tax return.
The chart and table show balances at each age until your chosen retirement age. For workplace deferrals and employer match, use our 401(k) calculator.
Roth IRA vs Traditional IRA (planning)
Traditional IRA contributions may be tax-deductible for some filers; withdrawals in retirement are generally taxable. Roth IRA contributions are not deductible, but qualified withdrawals may be tax-free. The better choice depends on current vs expected future tax rates, income, and whether you need the deduction today.
This page focuses on Roth contribution limits and growth. Combined Traditional + Roth contributions share one annual IRA cap. For generic after-tax growth without IRA rules, use our compound interest calculator.
Roth IRA vs 401(k)
A 401(k) is employer-sponsored and may include matching contributions. A Roth IRA is opened by you with an IRA provider. Many people max the 401(k) match first, then fund a Roth IRA. Project workplace savings with our 401(k) calculator and take-home pay with the paycheck calculator.
Roth IRA calculator vs compound interest
Our compound interest calculator projects generic growth without IRS Roth limits. Use this page when you need MAGI eligibility, max contribution messaging, partial phase-out math, and retirement-age scheduling — a Roth IRA savings calculator, not a generic FV tool.
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Frequently asked questions
How do I calculate what my Roth IRA will be worth?
Enter your current age, retirement age, starting balance, annual contribution (or Max allowed), expected return, and MAGI. The calculator caps contributions from IRS rules, then projects your estimated balance at retirement and a year-by-year schedule.
Change assumptions to see how return, contribution size, or eligibility affect the outcome — results are illustrative, not guaranteed.
How much will $10,000 in a Roth IRA be worth in 20 years?
With no further contributions and a hypothetical 6% average annual return, $10,000 could grow to about $32,100 in 20 years before taxes and fees. Actual returns vary.
Add ongoing contributions in the tool above for a personalized Roth IRA growth estimate.
How much does a Roth IRA grow in 10 years?
Growth depends on contributions, return, and starting balance. Example: $7,500 per year for 10 years with 6% average return and no starting balance might reach roughly $105,000 — not guaranteed. Enter your numbers above for a personalized estimate.
Is putting $100 a month in a Roth IRA good?
$100 per month ($1,200 per year) is a solid habit if you are eligible — it builds tax-advantaged savings even when you cannot max the IRA yet. At a hypothetical 6% return, contributing $1,200 annually for 30 years might grow to about $100,500 before fees.
Increase contributions when income allows; the calculator shows how much room you have under 2026 limits.
Is $200 a month enough for a Roth IRA?
$200 per month ($2,400 per year) is below the 2026 max ($7,500 under 50) but meaningful for long-term compounding. At 6% hypothetical return over 30 years, that pace might reach about $201,000 — illustrative only.
Many savers aim to raise contributions toward the annual limit; use Max allowed if MAGI permits.
How much should I put in my Roth IRA per month?
To max a $7,500 annual limit in 2026, contribute about $625 per month. If you are 50+, the max is $8,600 (~$717/month). Your MAGI may lower the allowed amount — the calculator shows your max.
To see take-home pay after other deductions, try our paycheck calculator.
What happens if you put $7,500 per year in a Roth IRA?
If you are eligible, $7,500 yearly contributions (2026 limit under 50) build tax-free growth inside the Roth. Over decades, compounding can produce a large balance; withdrawals may be tax-free in retirement if qualified distribution rules are met.
Can I put $100,000 into a Roth IRA?
Not as a single annual contribution — IRA contributions are capped each year. Large balances usually come from years of contributions plus growth, or from a Roth conversion of existing retirement money (taxable event). This calculator models annual contributions, not conversions.
What are the changes to Roth IRA contributions in 2026?
For 2026, the base limit rises to $7,500 with a $1,100 catch-up for age 50+, and MAGI phase-out ranges adjust slightly. Select 2026 in the tool and confirm figures on the IRS site.
How much can I max out my Roth IRA in 2026?
If you are under 50 and fully eligible, the 2026 Roth IRA max is $7,500. At 50 or older, $8,600 including catch-up. Phase-out reduces or eliminates direct contributions at higher MAGI — enter your filing status and income above.
Can I contribute to a Roth IRA if I make over $200,000?
It depends on filing status. Many single filers are ineligible above $168,000 MAGI in 2026; married filing jointly can contribute in full below $242,000 MAGI. A $200,000 household income may still qualify when filing jointly. High earners may use a backdoor Roth — speak with a tax professional; this tool models direct limits only.
How much can I contribute to my Roth IRA based on MAGI?
Enter MAGI, filing status, and age. The calculator applies IRS phase-out math and shows your maximum Roth IRA contribution before projecting growth — a Roth IRA partial contribution calculator when you are in the phase-out range.
Can I contribute to both a Roth and Traditional IRA in the same year?
Yes, but the combined contribution to all IRAs cannot exceed the annual limit ($7,500 / $8,600 with catch-up in 2026). This tool focuses on Roth only.
Roth IRA vs 401(k) — which should I use first?
Many employees first defer enough to get the full employer 401(k) match, then fund a Roth IRA for additional tax diversification. Use the 401(k) calculator for match and deferral projections.
What is the Roth IRA five-year rule?
Qualified tax-free earnings withdrawals generally require the account to be open at least five years and you to be at least 59½ (with exceptions). This calculator does not model withdrawal penalties.
How is this different from a compound interest calculator?
Compound interest tools ignore IRA income limits. This Roth IRA savings calculator caps contributions from MAGI and earned income, then projects retirement balance by age.
Are Roth IRA calculator results guaranteed?
No. Returns, tax law, and personal circumstances change. Results are educational estimates, not investment or tax advice.