Roth IRA Calculator

Free Roth IRA calculator with the 2026 limits ($7,500, $8,600 at 50+) and MAGI phase-outs. Runs IRS Worksheet 2-2 line by line — including the $10 round-up and $200 floor that other calculators skip.

Can you contribute, and how much

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Filing status Modified AGI $ Not your salary — your AGI with certain deductions added back. Your age yrs — Retire at yrs Used only for the projection below.

Earned less than the limit this year?

Taxable compensation $ You cannot contribute more than you earned from work. Already put into other IRAs $ Traditional IRA contributions share the same annual limit.

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IRS Worksheet 2-2, line by line

The official reduction, with your figures in it. Two of these steps are what most calculators skip.

Line	What it asks for	Your figure

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What it grows to

A fixed return, held every year. Real markets do not work this way — treat it as a scale, not a forecast.

Balance today $ You put in each year $ — Return a year % Your tax rate now % Marginal rate on the money you are contributing. Tax rate in retirement % What a traditional IRA withdrawal would be taxed at. Tax on a taxable account — Capital gains rate % 0%, 15% or 20% for most people.

Roth, traditional, or neither

Your contributions only, from zero, so the opening balance cannot skew it. A traditional contribution also hands back a tax refund — what you do with that decides the race.

Where the money goes	Pot at retirement	Tax due	Yours to spend

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What a taxable account really costs

The Roth advantage over an ordinary brokerage account depends entirely on this assumption, and calculators rarely say which they use.

If the taxable account is taxed	It ends at	Roth ahead by

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Year by year

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Age	Put in	Growth	Roth balance