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Roth IRA Contribution Limit Calculator (2026 Income Phase-Out)

What does this come to under the current IRS rules?

Reduced Roth IRA limit from MAGI and filing status, with the age 50 catch-up.

  • Runs in your browser
  • Nothing stored or sent
  • Free, no sign-up
Your figures
Example figuresIllustrative only. Type over them with your own.
Roth contribution allowed
$4,000
Roth IRA contribution you can make
Base limit
$7,500
Phase-out range (low)
$153,000
Drawn to one scale
Base limit$7,500
Phase-out range (low)$153,000
Phase-out range (high)$168,000
Roth contribution allowed$4,000
All results
MeasureResult
Base limit$7,500
Phase-out range (low)$153,000
Phase-out range (high)$168,000
Roth contribution allowed$4,000
How this was worked out
Work shownrecomputed as you type
Allowed = limit x (range top - MAGI) / range width inside the range
Rounded up to the next $10, minimum $200 while any contribution is allowed
Limit = $7,500 + $1,100 at 50 or older

Illustrative arithmetic on the figures you enter. Check the result against your firm's methodology before relying on it.

The formulas

  • Allowed = limit x (range top - MAGI) / range width inside the range
  • Rounded up to the next $10, minimum $200 while any contribution is allowed
  • Limit = $7,500 + $1,100 at 50 or older

How it works

Tax year: 2026.

The 2026 Roth IRA phase-out is $153,000 to $168,000 of MAGI for single and head of household, $242,000 to $252,000 for married filing jointly and $0 to $10,000 for married filing separately. Within the range the limit falls in proportion, is rounded up to the next $10 and is not below $200 while any contribution is allowed. The base limit is $7,500, plus $1,100 at age 50.

Enter MAGI as defined for Roth contributions. The tool also caps the limit at compensation when you enter it.

Illustrative figures only. Check the result against your firm's methodology before relying on it.

Common questions

Is there a Roth limit for high earners?

Above $168,000 single or $252,000 joint the direct contribution is zero.

Is compensation required?

Yes. The limit cannot exceed taxable compensation for the year.

Does the same $7,500 cover Roth and traditional?

Yes. It is one combined limit across all your IRAs.

Sources

Runs in your browser. The figures you type are not sent to CORAA or stored. Check the result against your firm's methodology before relying on it.

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