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Roth IRA Contribution Calculator 2026
Calculate direct Roth IRA contribution room from MAGI, compensation, age, and other IRA contributions.
- Additional Roth contribution room, $
- 7,500
- Allowed direct Roth contribution for 2026, $
- 7,500
- Roth contribution excess from inputs, $
- 0
How the calculation works
The full limit is capped by compensation and $7,500/$8,600. Within the MAGI phaseout it is reduced proportionally and rounded up to $10, subject to the combined IRA contribution limit.
Inputs
- Age at the end of 2026
- Roth IRA modified AGI, $
- Eligible compensation, $
- Filing situation
- 2026 traditional IRA contributions, $
- 2026 Roth IRA contributions already made, $
Calculation details
2026 MAGI phaseouts: $153,000–168,000 for single/HOH and MFS living apart all year; $242,000–252,000 for MFJ; $0–10,000 for MFS who lived together.
Enter Roth IRA-specific MAGI and eligible compensation. Backdoor Roth, conversions, traditional IRA deductibility, and qualified withdrawal status are not calculated.
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Updated: 2026-10-02