Roth IRA Calculator

Estimate your 2026 Roth IRA contribution limit and project growth with monthly contributions, MAGI eligibility, fees, inflation, and return scenarios.

Enter your 2026 Roth IRA details and select Calculate.

Roth IRA Details

Roth IRA Projection

Projected Roth IRA balance

2026 direct contribution limit$7,500.00

Eligibility estimateFull direct contribution

Goal status$80,282.42 below goal

Projected first-year contribution: $7,500.00
Total new contributions: $241,500.00
Projected investment growth: $653,217.58
Investment fees charged: $14,863.45
Fee drag with lost growth: $30,014.61
Value in today's dollars: $438,468.63
Monthly contribution needed: Goal exceeds modeled limit

At the entered assumptions, the projection remains $80,282.42 below the goal.

Future projections hold the entered contribution limits and 2026 income rules constant; future IRS limits and eligibility can change.

Roth IRA growth scenarios

Lower, expected, and higher paths based on the return range entered.

Balance composition

Current balance and new contributions compared with net projected growth.

Annual Roth IRA Schedule

Year	Age	Eligible limit	Beginning	Contributions	Gross return	Fees	Ending
1	35	$7,500.00	$25,000.00	$7,500.00	$1,986.37	$44.19	$34,442.17
2	36	$7,500.00	$34,442.17	$7,500.00	$2,646.86	$58.89	$44,530.15
3	37	$7,500.00	$44,530.15	$7,500.00	$3,352.53	$74.59	$55,308.09
4	38	$7,500.00	$55,308.09	$7,500.00	$4,106.46	$91.36	$66,823.18
5	39	$7,500.00	$66,823.18	$7,500.00	$4,911.95	$109.28	$79,125.85
6	40	$7,500.00	$79,125.85	$7,500.00	$5,772.54	$128.43	$92,269.97
7	41	$7,500.00	$92,269.97	$7,500.00	$6,691.99	$148.88	$106,313.07
8	42	$7,500.00	$106,313.07	$7,500.00	$7,674.32	$170.74	$121,316.65
9	43	$7,500.00	$121,316.65	$7,500.00	$8,723.84	$194.09	$137,346.40
10	44	$7,500.00	$137,346.40	$7,500.00	$9,845.14	$219.03	$154,472.51
11	45	$7,500.00	$154,472.51	$7,500.00	$11,043.13	$245.69	$172,769.96
12	46	$7,500.00	$172,769.96	$7,500.00	$12,323.06	$274.16	$192,318.86
13	47	$7,500.00	$192,318.86	$7,500.00	$13,690.53	$304.59	$213,204.81
14	48	$7,500.00	$213,204.81	$7,500.00	$15,151.53	$337.09	$235,519.25
15	49	$7,500.00	$235,519.25	$7,500.00	$16,712.46	$371.82	$259,359.89
16	50	$8,600.00	$259,359.89	$8,600.00	$18,414.99	$409.70	$285,965.18
17	51	$8,600.00	$285,965.18	$8,600.00	$20,276.06	$451.10	$314,390.14
18	52	$8,600.00	$314,390.14	$8,600.00	$22,264.42	$495.34	$344,759.22
19	53	$8,600.00	$344,759.22	$8,600.00	$24,388.78	$542.60	$377,205.40
20	54	$8,600.00	$377,205.40	$8,600.00	$26,658.43	$593.10	$411,870.73
21	55	$8,600.00	$411,870.73	$8,600.00	$29,083.31	$647.04	$448,907.00
22	56	$8,600.00	$448,907.00	$8,600.00	$31,674.05	$704.68	$488,476.36
23	57	$8,600.00	$488,476.36	$8,600.00	$34,441.98	$766.26	$530,752.07
24	58	$8,600.00	$530,752.07	$8,600.00	$37,399.22	$832.06	$575,919.23
25	59	$8,600.00	$575,919.23	$8,600.00	$40,558.72	$902.35	$624,175.60
26	60	$8,600.00	$624,175.60	$8,600.00	$43,934.31	$977.45	$675,732.46
27	61	$8,600.00	$675,732.46	$8,600.00	$47,540.78	$1,057.69	$730,815.55
28	62	$8,600.00	$730,815.55	$8,600.00	$51,393.91	$1,143.41	$789,666.05
29	63	$8,600.00	$789,666.05	$8,600.00	$55,510.58	$1,235.00	$852,541.63
30	64	$8,600.00	$852,541.63	$8,600.00	$59,908.80	$1,332.85	$919,717.58

Tax year 2026. This is an educational estimate, not tax or investment advice.

What does the Roth IRA Calculator calculate?

The Roth IRA Calculator converts the values you enter into a structured estimate using the formulas and assumptions documented on this page. Use the result to compare scenarios, review the calculation details, and identify sensitive inputs. Check the guide and formula sections before using the estimate for an important decision.

Roth IRA Calculator at a Glance

Estimates the 2026 direct Roth IRA contribution limit from user-entered facts.
Projects monthly deposits with returns, fees, inflation, and age-50 catch-up contributions.
Shows contribution basis, growth, fee drag, goal status, and annual schedules.
Keeps contribution and catch-up limits editable while applying current 2026 MAGI phaseouts.

History

Roth IRAs were created in the late 1990s as an individual retirement arrangement funded with after-tax contributions. Unlike a traditional IRA contribution, a Roth IRA contribution is not deductible, while qualified distributions can generally be tax-free.

Congress and the IRS periodically change contribution limits and income ranges. That is why this calculator separates editable dollar limits from the tax-year-specific MAGI phaseout rules.

What This Roth IRA Calculator Does

The calculator estimates a direct Roth IRA contribution limit for 2026 using age, filing status, modified adjusted gross income, taxable compensation, other IRA contributions, and editable base and catch-up limits. Review the Roth IRA Calculator assumptions before relying on this result for decisions.

It then projects the current balance and monthly contributions over the entered period. Results include eligibility, first-year deposits, possible excess planning, ending balance, contribution basis, growth, fees, fee drag, inflation-adjusted value, target status, required contribution, scenarios, and an annual schedule.

Who Should Use It?

Use it when estimating a direct 2026 Roth IRA contribution, testing a monthly savings plan, comparing expense levels, or measuring progress toward a retirement-account target. Use realistic inputs and review the Roth IRA Calculator assumptions before relying on this result for decisions.

It is not a tax-return calculator and does not determine conversion strategy, distribution qualification, penalties, spousal IRA eligibility, or whether a Roth IRA is appropriate for you.

What Problems Does It Solve?

For “What Problems Does It Solve?,” the Roth IRA Calculator organizes the relevant inputs, applies the documented method, and shows a result that can be compared across scenarios. The points below identify the specific considerations and assumptions users should review before relying on the estimate.

Eligibility estimate: applies filing status, MAGI, compensation, age, and other IRA contributions.
Shared-limit planning: accounts for amounts assigned to another traditional or Roth IRA.
Monthly budgeting: converts the annual eligibility estimate into capped monthly deposits.
Catch-up modeling: adds the editable age-50 amount when selected.
Cost and inflation visibility: separates fees, fee drag, and current purchasing power.
Goal planning: compares the projection with a target and solves a starting monthly contribution.

Key Benefits

The eligibility calculation and investment projection use the same inputs but remain conceptually separate. Eligibility controls how much enters the account; return and fee assumptions control how the balance changes afterward.

The annual schedule makes the cap visible each year. It shows age, estimated eligible limit, actual contribution, gross return, fees, ending balance, and inflation-adjusted balance.

Roth IRA Terms and Definitions

MAGI: Modified adjusted gross income used to determine direct Roth IRA contribution eligibility.
Taxable compensation: Compensation that can limit how much may be contributed to an IRA.
Shared IRA limit: The annual contribution ceiling shared across a person's traditional and Roth IRAs.
Catch-up contribution: An additional editable amount available when age at year end is at least 50.
Contribution basis: Current balance plus new modeled contributions; it is not a tax-basis determination for reporting.
Fee drag: The difference between the fee-free projection and the otherwise identical projection with fees.
Direct contribution: A regular Roth IRA contribution, distinct from a Roth conversion or backdoor Roth transaction.

When to Use It

Use the calculator before setting a monthly contribution, after estimating MAGI, when coordinating multiple IRAs, or when reviewing a long-term target. Recheck eligibility before the tax-filing deadline and whenever income, compensation, filing status, or IRS rules change. Review the Roth IRA Calculator assumptions before relying on this result for decisions.

Use current tax records and official IRS guidance. A future projection cannot know later contribution limits or your future income, so the engine intentionally holds the entered limits and 2026 phaseout rules constant.

How the Calculation Works

The statutory limit is capped by taxable compensation, reduced through the filing-status MAGI phaseout, and then reduced by other IRA contributions. Eligible deposits enter a monthly investment recurrence: Review the Roth IRA Calculator assumptions before relying on this result for decisions.

B_m=((B_{m-1}+C_b)(1+r_m))(1-f_m)+C_e

See the complete Roth IRA formulas for the exact phaseout rounding, monthly rate conversions, contribution cap, inflation adjustment, and target solver.

Common Roth IRA Calculator Mistakes

Using gross income instead of the applicable MAGI calculation.
Forgetting that traditional and Roth IRA contributions share one annual limit.
Ignoring taxable compensation.
Treating a projection as an investment-return guarantee.
Assuming current IRS rules remain unchanged for decades.
Using this direct-contribution estimate for conversions or backdoor Roth transactions.

Frequently Asked Questions

What is the Roth IRA contribution limit for 2026?

The 2026 IRA contribution limit is $7,500, or $8,600 if you are age 50 or older by the end of the tax year. The limit is shared across traditional and Roth IRAs and cannot exceed taxable compensation. Review the Roth IRA Calculator assumptions before relying on this result for decisions.

How do 2026 Roth IRA income limits work?

Direct Roth IRA eligibility phases out by modified adjusted gross income and filing status. For 2026, the phaseout is $153,000 to $168,000 for single or head-of-household filers, $242,000 to $252,000 for married filing jointly, and $0 to $10,000 for married filing separately when the filer lived with a spouse during the year.

Can I model monthly Roth IRA contributions?

Yes. Enter a monthly amount and choose beginning- or end-of-month timing. The calculator caps projected contributions at the estimated annual eligibility limit. For a useful Roth IRA Calculator result, use realistic inputs, compare relevant scenarios, and review the stated assumptions before making a decision.

Does the calculator include the age-50 catch-up contribution?

Yes. When enabled, the model adds the 2026 $1,100 catch-up amount beginning with the first projected tax year in which your age at year end is at least 50. Review the Roth IRA Calculator assumptions before relying on this result for decisions.

Are Roth IRA earnings guaranteed or always tax-free?

No. Returns are assumptions, not forecasts. Roth IRA contributions are not deductible, and qualified distributions are generally tax-free, but this calculator does not determine distribution qualification, conversion taxes, penalties, or the five-year rules. Review the Roth IRA Calculator assumptions before relying on this result for decisions.

One Fun Fact About Roth IRA Timing

A beginning-of-month deposit receives one additional month of modeled return and fees compared with the same end-of-month deposit. Over a long projection, those small timing differences can compound.

Conclusion

A Roth IRA projection is most useful when eligibility and growth assumptions remain transparent. Confirm the tax-year rules, enter personal income and compensation facts, include realistic fees, and test more than one return scenario.

Use the step-by-step Roth IRA Calculator guide before interpreting the estimate.

Roth IRA Calculator Disclaimer

Educational estimate only. This calculator does not provide tax, legal, investment, or financial advice. Confirm contribution eligibility with current IRS instructions or a qualified tax professional.