Model hypothetical contributions while displaying verified 2026 IRS limits and optional phase-out context.
Calculate with the Roth IRA Calculator
Enter the details below. Required values are validated before results are shown.
Roth IRA Calculator results
How to use the Roth IRA Calculator
- Choose the display currency and any calculation mode or frequency.
- Enter each required value using a consistent currency and time basis.
- Select Calculate or press Enter.
- Review the result explanation, assumptions, and any schedule before relying on the estimate.
Worked example
A 7,000 annual contribution is within the 2026 base IRA limit of 7,500 before age-based catch-up.
Understanding the results
The summary separates the most important output from supporting values. Currency selection changes formatting only; it does not convert exchange rates or alter a currency-independent formula.
Official program information: IRS 2026 retirement limits
Versioned rules and sources
401(k) and IRA contribution limits and Roth IRA phase-outs
- Applicable year
- 2026
- Source
- Internal Revenue Service
- Published or updated
- 2025-11-13
- Last verified
- 2026-08-04
Plan terms, compensation limits, aggregation, eligibility, deductibility, and correction rules can change the amount available to an individual.
Frequently asked questions
Does this calculator guarantee Roth IRA eligibility or tax-free treatment?
The optional MAGI comparison linearly models the verified phase-out range but does not determine eligibility or qualified-distribution treatment. The result depends on the values and assumptions entered, so compare it with the applicable provider or official rule.
Can I use decimal values in the Roth IRA Calculator?
Yes. Decimal values are supported. Results are calculated at full JavaScript numeric precision and formatted for readability.
Are the Roth IRA Calculator results guaranteed?
No. The calculator provides an estimate based on the entered assumptions and is not financial, tax, investment, lending, payroll, or legal advice.