ConvertOnlineRoth IRA Calculator for 2026 Contributions and Growth
Report source: https://convertonline.org/calculators/roth-ira-calculator
Check an estimated 2026 Roth IRA contribution limit, including the age 50 catch-up, and see how an eligible annual contribution could grow over time.
Private calculation. Your entries and results stay in this browser and are not uploaded to ConvertOnline.
Rules and data: Updated for 2026 IRS limits.
Roth IRA Calculator
Projected Roth IRA balance
Roth IRA annual projection
| Year | Age or phase | Salary | Starting balance | User contribution | Employer contribution | Withdrawals | Growth | Ending balance |
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Roth IRA Calculator formula
The estimated 2026 contribution limit is the lesser of taxable compensation and the age-based IRA limit, reduced across the filing-status MAGI phaseout. Eligible contributions are deposited monthly and compounded at the entered return.
The IRS applies special rules and worksheets in some cases. Confirm eligibility using current IRS instructions or a qualified tax professional before contributing.
Assumptions and limitations
- The displayed contribution and MAGI thresholds are editable 2026 IRS limits and do not automatically change in future years.
- The same eligible annual contribution and annual return are used in every projection year.
- Contributions are modeled at month end; taxes, fees, withdrawals, and account losses beyond the entered return are excluded.
- A Roth IRA contribution limit does not determine whether a later distribution is qualified or tax free.
Sources:
Worked example
Example: a partial Roth contribution during the phaseout
A 52-year-old single filer has $160,500 of modified AGI and at least $8,600 of taxable compensation. The editable 2026 limits are $7,500 plus a $1,100 catch-up.
At the midpoint of the $153,000 to $168,000 phaseout, the estimated maximum contribution is $4,300. The growth schedule uses that eligible amount or the smaller planned contribution.
Frequently asked questions
What income does the Roth IRA limit use?
It uses modified adjusted gross income, or MAGI, under the IRA rules. MAGI can differ from the adjusted gross income shown on a tax return.
Can I contribute if I am age 50 or older?
Yes, when otherwise eligible. The displayed 2026 catch-up raises the combined IRA limit for a person age 50 or older by the end of the tax year.
Are Roth IRA earnings guaranteed?
No. The projection applies one constant return for planning. Actual investments can gain or lose value, and fees can reduce the balance.
This calculator provides an estimate for planning and education. Actual returns, rates, plan terms, taxes, fees, and future rules may differ.