Roth IRA Contribution Calculator

2026 rules

Check how much you can contribute to a Roth IRA for 2026 at your income.

Your numbers

Filing status

Modified AGI

Your age at the end of 2026

Earned income (yours, or the couple's if joint)

Result

You can contribute$4,000

2026 limit for you$7,500
Phase-out range for your filing status$153,000 – $168,000
Your MAGI$160,000
Allowed Roth IRA contribution$4,000
Rest can go to a traditional IRA (backdoor)$3,500

How it works

The 2026 limit is $7,500, plus $1,100 if you're 50 or older, but never more than your earned income. Above a modified AGI of $153,000 single or $242,000 joint, the limit phases out, reaching zero at $168,000 and $252,000.

In the phase-out, the limit shrinks in proportion to how far into the range you are, is rounded up to the next $10, and is at least $200 if you're still below the top of the range.

2026 figures: IRS Rev. Proc. 2025-32 (2026 inflation adjustments); IRS Notice 2025-67 (2026 retirement plan limits); CMS 2026 Medicare Parts A & B premiums and deductibles.

Questions

What if my income is over the limit?

You can contribute to a traditional IRA without a deduction and convert it to a Roth. That is the backdoor Roth.

When is the deadline for 2026 contributions?

April 15, 2027. Tell the custodian which year the contribution is for.