2026 retirement planning
2026 Roth IRA Contribution Calculator
Estimate the maximum Roth IRA contribution after the 2026 MAGI phase-out, catch-up limit, taxable compensation cap, and traditional IRA offset.
Estimated limit
$5,000
33.3% through the phase-out range
Base 2026 IRA limit
$7,500
Limit after compensation cap
$7,500
Roth limit before other IRAs
$5,000
Combined IRA room after other IRAs
$7,500
Phase-out readout
Phase-out starts
$153,000
No direct Roth at
$168,000
MAGI headroom
$10,000
The estimate uses the 2026 Roth IRA phase-out range for the selected filing status and rounds a positive reduced limit up to the nearest $10, with a $200 minimum when the worksheet result remains above zero.
Planned contribution check
Planned contribution is $1,500 above this estimate.
Planned Roth contribution
$6,500
Estimated Roth limit
$5,000