Sky Strike 3DPlayRoth IRA Calculator
The 2026 Roth IRA limit is $7,500, or $8,600 if you are 50 or older, and it shrinks once your modified AGI passes $153,000 (single) or $242,000 (married filing jointly).
Updated · by ViralScopeHub Team
- Free
- Instant result
- Private · on-device
- No sign-up
How to use: Enter your age, planned retirement age, current balance, yearly contribution, expected return, filing status and income (MAGI). The calculator caps your contribution at your limit and projects the balance.
Check how much you can put into a Roth IRA in 2026 and see what it could grow to by retirement.
2026 Roth IRA contribution limits
The IRS limit applies to all your traditional and Roth IRAs combined, and you cannot contribute more than your taxable income. For 2026 it is $7,500, plus a $1,100 catch-up if you are 50 or older.
| Filing status | Full limit below | No Roth contribution at |
|---|---|---|
| Single / head of household | $153,000 | $168,000 |
| Married filing jointly | $242,000 | $252,000 |
| Married filing separately (lived together) | $0 | $10,000 |
Between the two figures your limit is reduced in proportion. The calculator uses the IRS worksheet rule: the reduction is rounded up to the next $10, and a limit above zero is never less than $200.
How the growth projection works
Each year the balance grows by your expected return and then your contribution is added. The result is shown in future dollars and in today’s dollars using your inflation rate. It assumes a steady return, which real markets do not give, so try a few rates such as 5%, 7% and 9%.
Why people like Roth IRAs
Contributions are made with after-tax money, and qualified withdrawals in retirement are tax-free. You can take out your own contributions at any time without tax, though withdrawing earnings early can bring tax and penalties. Details are on the IRS IRA contribution limits page.
VSH take: contributing early in the year gives money more time to grow, but a steady monthly amount is just as good for most people. This is general education, not tax advice. See also the 401(k) calculator and the retirement calculator.
Examples
- Age 30, $7,500 a year, 7%, to age 65: About $1.04 million, or $437,000 in today’s dollars at 2.5% inflation.
- Age 30 with $90,000 income, single: Full $7,500 limit.
- Single, income $160,500: Limit reduced to $3,750.
- Single, income $168,000 or more: $0, so no direct Roth contribution.
Frequently asked questions
What is the Roth IRA contribution limit for 2026?
$7,500, or $8,600 if you are 50 or older. It covers all your IRAs combined.
What is the Roth IRA income limit for 2026?
Single filers phase out between $153,000 and $168,000 of modified AGI, and married couples filing jointly between $242,000 and $252,000.
Can I contribute to a Roth IRA if I earn too much?
Not directly. Some people use a backdoor Roth conversion, which has tax rules, so talk to a tax professional.
How much will $7,500 a year grow to?
At 7% a year for 35 years it grows to about $1.04 million. Real returns vary, so treat it as an estimate.
Can I withdraw from a Roth IRA before retirement?
You can withdraw your own contributions anytime without tax. Earnings withdrawn early may face tax and a 10% penalty unless an exception applies.
Money calculators by country
- United Kingdom: Income tax & NI · Stamp duty
- Australia: Income tax
- New Zealand: Income tax & ACC
- Canada: Income tax · TFSA room · RRSP limit
- United States: Federal income tax · 401(k) · Mortgage
- India: Income tax · In-hand salary · SIP · FD
