Roth IRA Calculator
Roth IRA Calculator works out Roth contribution allowed this year and Statutory limit including catch-up from Tax year, Filing status and Modified AGI for Roth IRA purposes. The default figures on this page give roth balance at retirement of 661,225.50; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
8 steps
- Tax year 2026: the IRA dollar limit is 7500, so the statutory limit is 7500.
- Worksheet 2-2 line 6 = min(statutory limit, taxable compensation) = 7500.
- Phase-out range for this filing status: 153000 to 168000 of modified AGI (IRS Notice 2025-67, section 408A(c)(3)(A) paragraph).
- Modified AGI is at or below the start of the range, so the full limit is available.
- Each year the balance grows at 7% and then takes the 7000 contribution: balance = balance x 1.07 + 7000.
- After 30 years the Roth holds 661225.5, of which 451225.5 is growth that is never taxed if the distribution is qualified.
- A taxable account paying 22% on each year’s growth compounds at 5.46% instead, reaching 503534.92.
- The same balance held pre-tax and withdrawn at 22% would be worth 515755.89 after tax.
Year-by-year projectiontable
| year | age | contribution | rothBalance | taxableBalance |
|---|---|---|---|---|
| 1 | 36 | 7,000 | 7,000 | 7,000 |
| 2 | 37 | 7,000 | 14,490 | 14,382.2 |
| 3 | 38 | 7,000 | 22,504.3 | 22,167.47 |
| 4 | 39 | 7,000 | 31,079.6 | 30,377.81 |
| 5 | 40 | 7,000 | 40,255.17 | 39,036.44 |
| 6 | 41 | 7,000 | 50,073.04 | 48,167.83 |
| 7 | 42 | 7,000 | 60,578.15 | 57,797.79 |
| 8 | 43 | 7,000 | 71,818.62 | 67,953.55 |
| 9 | 44 | 7,000 | 83,845.92 | 78,663.82 |
| 10 | 45 | 7,000 | 96,715.14 | 89,958.86 |
| 11 | 46 | 7,000 | 110,485.2 | 101,870.62 |
| 12 | 47 | 7,000 | 125,219.16 | 114,432.75 |
| 13 | 48 | 7,000 | 140,984.5 | 127,680.78 |
| 14 | 49 | 7,000 | 157,853.42 | 141,652.15 |
| 15 | 50 | 7,000 | 175,903.15 | 156,386.36 |
| 16 | 51 | 7,000 | 195,216.37 | 171,925.05 |
| 17 | 52 | 7,000 | 215,881.52 | 188,312.16 |
| 18 | 53 | 7,000 | 237,993.23 | 205,594 |
| 19 | 54 | 7,000 | 261,652.75 | 223,819.44 |
| 20 | 55 | 7,000 | 286,968.45 | 243,039.98 |
| 21 | 56 | 7,000 | 314,056.24 | 263,309.96 |
| 22 | 57 | 7,000 | 343,040.17 | 284,686.68 |
| 23 | 58 | 7,000 | 374,052.99 | 307,230.58 |
| 24 | 59 | 7,000 | 407,236.7 | 331,005.37 |
| 25 | 60 | 7,000 | 442,743.26 | 356,078.26 |
| 26 | 61 | 7,000 | 480,735.29 | 382,520.13 |
| 27 | 62 | 7,000 | 521,386.76 | 410,405.73 |
| 28 | 63 | 7,000 | 564,883.84 | 439,813.89 |
| 29 | 64 | 7,000 | 611,425.7 | 470,827.72 |
| 30 | 65 | 7,000 | 661,225.5 | 503,534.92 |
Figures from IRS retirement plan limits, 2026 rules, checked 31 August 2026. Its 5 worked examples are re-run on every release, last on 15 September 2026. What changed · how reference data is kept current
Sources and references
5 sources
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What the Roth IRA Calculator calculates
Works out the Roth IRA contribution you are allowed for a given tax year, filing status, modified AGI and age using the published IRS limits and phase-out ranges, and projects what the account grows to against an ordinary taxable account funded with the same money.
How to use this Roth IRA Calculator
Enter Tax year, Filing status, Modified AGI for Roth IRA purposes and Your age. Roth contribution allowed this year updates as you type, and “Use a worked example” loads checked figures you can adjust. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Roth contribution allowed this year, Statutory limit including catch-up and Age-50 catch-up included.
The method follows IRS Publication 590-A, Contributions to Individual Retirement Arrangements (IRAs), chapter 2 - Table 2-1 and Worksheet 2-2, Determining Your Reduced Roth IRA Contribution Limit, IRS Notice 2025-67, 2026 Amounts Relating to Retirement Plans and IRAs - section 408A(c)(3)(A) Roth IRA phase-out ranges for 2026, IRS Notice 2024-80, 2025 Amounts Relating to Retirement Plans and IRAs, IRS, Amount of Roth IRA contributions that you can make for 2024 and 26 U.S.C. 408A (Roth IRAs) and 26 U.S.C. 219(b) (contribution limit and catch-up).
IRS Publication 590-A Worksheet 2-2 illustrated example example
With What do you want to work out?: contribution, Tax year: 2025, Filing status: single, Modified AGI for Roth IRA purposes: 151000, the calculator returns Roth contribution allowed this year: 6540, Statutory limit including catch-up: 7000, Age-50 catch-up included: 0. This example is checked against an independent source in the test suite.
What you can compare
Change one input at a time to see how it affects Roth contribution allowed this year, Statutory limit including catch-up and Age-50 catch-up included. The inputs you can vary are Tax year, Filing status, Modified AGI for Roth IRA purposes, Your age, Taxable compensation for the year and Contributions already made to other IRAs this year.
Understanding Roth contribution allowed this year, Statutory limit including catch-up and Age-50 catch-up included
An estimate from published IRS limits, not tax advice. It does not test whether a distribution is qualified, model state tax, or apply the saver’s credit. Confirm your own modified AGI figure with Publication 590-A Worksheet 2-1.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
See something wrong? Report a problem with this calculator
Frequently asked questions
How do I calculate my income for a Roth IRA?
Works out the Roth IRA contribution you are allowed for a given tax year, filing status, modified AGI and age using the published IRS limits and phase-out ranges. Open “How this is worked out” beside the result to see each step for your own figures.
How much will $10,000 in a Roth IRA be worth in 20 years?
On the figures this page opens with — modified AGI for Roth IRA purposes 151,000 USD, your age 45, taxable compensation for the year 150,000 USD and contributions already made to other IRAs this year 0 USD — the roth balance at retirement is 661,225.5. No single number fits everyone: change any figure above and the answer updates as you type, with each step of the arithmetic beside it.
Is $200 a month enough for Roth IRA?
Works out the Roth IRA contribution you are allowed for a given tax year, filing status, modified AGI and age using the published IRS limits and phase-out ranges. On the figures this page opens with — modified AGI for Roth IRA purposes 151,000 USD, your age 45 and taxable compensation for the year 150,000 USD — the roth balance at retirement is 661,225.5. Put your own figures in their place and the working updates beside the result.
Is putting $100 a month in a Roth IRA good?
It needs Tax year, Filing status, Modified AGI for Roth IRA purposes, Your age, Taxable compensation for the year and Contributions already made to other IRAs this year. Nothing else is required, and the figures stay in your browser.
What information do I need for the Roth IRA Calculator?
You need Tax year, Filing status, Modified AGI for Roth IRA purposes, Your age, Taxable compensation for the year, Contributions already made to other IRAs this year, Current Roth IRA balance and Amount you plan to contribute each year. The page opens with default figures that give roth balance at retirement of 661,225.50, so you can see the scale before entering your own.
What does this Roth IRA Calculator show?
It shows Roth contribution allowed this year, Statutory limit including catch-up, Age-50 catch-up included, Phase-out begins at MAGI, Phase-out complete at MAGI, Eligibility, Roth balance at retirement and Total contributed, with the working and any warnings for your entries.