How this calculator works
The 2026 limit is $7,500, plus a $1,100 catch-up from age 50, and can’t exceed your earned income.
Above certain incomes the limit shrinks: from $153,000 to $168,000 of modified AGI for single filers and heads of household, and $242,000 to $252,000 for married couples filing jointly.
Inside the range, the IRS formula reduces the limit in proportion, rounds up to the next $10 and allows at least $200.
Roth contributions aren’t deductible, but qualified withdrawals in retirement, including all the growth, are tax-free.
Worked example
Single, age 40, $160,000 of modified AGI
- $160,000 is $8,000 below the $168,000 top of the range.
- $7,500 × 8,000 ÷ 15,000 = $4,000.
- You can contribute $4,000 to a Roth IRA for 2026.
Questions people ask
What if my income is too high?
You can contribute to a traditional IRA without a deduction and convert it to a Roth (the “backdoor Roth”). Other pre-tax IRA balances affect the tax on the conversion.
When is the deadline for 2026 contributions?
The tax-filing deadline in April 2027, without extensions.
Can I withdraw contributions early?
Your own contributions can come out at any time tax- and penalty-free; earnings generally need the account to be five years old and you to be 59½.
Roth or traditional?
Roth tends to suit people who expect a higher tax rate in retirement; traditional suits those who expect a lower one. Many split between them.
Sources
Last reviewed October 2, 2026