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Roth IRA calculator

Estimate remaining direct Roth IRA contribution room under the 2026 income limits.

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Estimate remaining direct Roth IRA contribution room under the 2026 income limits.

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Formula and assumptions
US direct contributions from your own eligible compensation. Enter already-calculated Roth MAGI. The phaseout fraction uses full precision, then the contribution is rounded up to $10 with the IRS $200 minimum, limited by compensation and shared IRA room. Spousal compensation, conversions, rollovers and excess corrections are excluded. Projection repeats this remaining contribution at each year end; it does not forecast eligibility, future limits or tax-free withdrawal qualification.
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Using Roth IRA calculator
Estimate remaining direct Roth IRA contribution room under the 2026 income limits.
US direct contributions from your own eligible compensation. Enter already-calculated Roth MAGI. The phaseout fraction uses full precision, then the contribution is rounded up to $10 with the IRS $200 minimum, limited by compensation and shared IRA room. Spousal compensation, conversions, rollovers and excess corrections are excluded. Projection repeats this remaining contribution at each year end; it does not forecast eligibility, future limits or tax-free withdrawal qualification.
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A worked example
For 2026 modified agi for roth ira purposes (usd) = 160500, age at end of 2026 = 40, filing status = Single / head of household / separate and lived apart all year, eligible taxable compensation (usd) = 100000, already contributed to traditional iras for 2026 (usd) = 1000, already contributed to roth iras for 2026 (usd) = 500, current roth balance (usd) = 0, projection years = 1, assumed annual return after fees (%) = 0, remaining direct roth contribution (usd) = 3,250.00.
Before you use the result
US direct contributions from your own eligible compensation. Enter already-calculated Roth MAGI. The phaseout fraction uses full precision, then the contribution is rounded up to $10 with the IRS $200 minimum, limited by compensation and shared IRA room. Spousal compensation, conversions, rollovers and excess corrections are excluded. Projection repeats this remaining contribution at each year end; it does not forecast eligibility, future limits or tax-free withdrawal qualification.
Example results for 2026 modified agi for roth ira purposes (usd)
These examples use Age at end of 2026: 40; Filing status: Single / head of household / separate and lived apart all year; Eligible taxable compensation (USD): 100000; Already contributed to traditional IRAs for 2026 (USD): 1000; Already contributed to Roth IRAs for 2026 (USD): 500; Current Roth balance (USD): 0; Projection years: 1; Assumed annual return after fees (%): 0. They are reference calculations, not recommended settings.
2026 modified AGI for Roth IRA purposes (USD)Remaining direct Roth contribution (USD)
802506,000.00
1605003,250.00
3210000
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ToolOctopus. “Roth IRA calculator.” Updated 2026-09-29. https://tooloctopus.com/roth-ira-calculator.
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