About the Roth IRA Income Limit Calculator
This Roth IRA income limit calculator tells you exactly how much you can contribute to a Roth IRA for 2026 (or 2025) based on your modified adjusted gross income (MAGI), filing status, age and earned income. If your income falls inside the phase-out range it applies the IRS reduction worksheet, including the rounding rules, and shows the reduced amount you are allowed.
It is meant for higher earners near the limit, couples deciding how to file, people who got a raise or bonus and want to avoid an excess contribution, and anyone deciding whether to use a backdoor Roth instead. If you have already put money into a traditional IRA this year, enter it — the $7,500 limit is shared between both types of IRA.
For 2026 the phase-out is $153,000–$168,000 for single and head-of-household filers, $242,000–$252,000 for married filing jointly or qualifying surviving spouses, and $0–$10,000 for married filing separately if you lived with your spouse at any time during the year (IRS Notice 2025-67). The 2025 ranges were $150,000–$165,000 and $236,000–$246,000. The contribution limit is $7,500 for 2026 ($7,000 for 2025), plus a catch-up of $1,100 ($1,000) at age 50 or older.
With the default inputs, the maximum roth ira contribution is $3,750.00. Change any value above to recalculate instantly.
How to use the roth ira income limit calculator
- 1Pick the tax year you are contributing for.
- 2Choose your filing status (married filing separately depends on whether you lived together).
- 3Enter your modified AGI, your age and your taxable compensation.
- 4Enter any traditional IRA contributions already made for that year.
- 5Read your maximum Roth IRA contribution and eligibility status.
Formula and method
This follows Worksheet 2-2 in IRS Publication 590-A. L is the smaller of your contribution limit ($7,500 for 2026, or $8,600 at 50+) and your taxable compensation. If MAGI is at or below the lower threshold you can contribute L; at or above the upper threshold you can contribute nothing.
Inside the range, L is reduced in proportion to how far your MAGI is into the range ($15,000 wide for single filers, $10,000 for joint and separate filers). The result is rounded up to the next multiple of $10, and any amount between $0 and $200 is raised to $200. Finally the result cannot exceed L minus anything you already put in traditional IRAs for the year.
- L
- Smaller of the age-based limit and taxable compensation
- MAGI
- Modified adjusted gross income for Roth IRA purposes
- lower, upper
- Phase-out thresholds for your filing status and year
Worked examples
Single filer with $163,250 MAGI in 2026
$163,250 is $10,250 into the $15,000-wide single range, or 68.33%. $7,500 × (1 − 0.6833) = $2,375, which rounds up to the next $10: $2,380. Contributing the full $7,500 would leave a $5,120 excess taxed at 6% ($307.20) each year.
Married filing jointly, age 55, $247,500 MAGI in 2026
The joint range is $242,000–$252,000. $247,500 is 55% of the way through, so $8,600 × 45% = $3,870 remains. It is already a multiple of $10.
Single, $167,900 MAGI in 2025
For 2025 the single range was $150,000–$165,000, so $167,900 is above the limit and no direct Roth contribution is allowed.
Frequently asked questions
What is the Roth IRA income limit for 2026?+
For 2026 you can make a full contribution with MAGI under $153,000 (single or head of household) or $242,000 (married filing jointly). Contributions phase out completely at $168,000 and $252,000 respectively.
How is a reduced Roth IRA contribution calculated?+
Divide how far your MAGI is into the phase-out range by the width of the range, multiply your limit by that fraction and subtract it. Round the result up to the next $10, and if it is between $0 and $200, you may contribute $200.
What counts as MAGI for a Roth IRA?+
Start with adjusted gross income, add back items such as the foreign earned income exclusion and deducted traditional IRA contributions, and subtract income from a Roth conversion. Publication 590-A Worksheet 2-1 walks through it.
What happens if I contribute too much to a Roth IRA?+
The excess is subject to a 6% excise tax for every year it stays in the account. You can avoid it by withdrawing the excess and its earnings, or recharacterizing it as a traditional IRA contribution, before your tax filing deadline.
Can I contribute to a Roth IRA if I earn too much?+
Not directly, but there is no income limit on contributing to a traditional IRA or on converting it to a Roth IRA. This two-step “backdoor Roth” is widely used, but the pro-rata rule taxes part of the conversion if you hold other pre-tax IRA money.
Until when can I contribute for a tax year?+
You can make Roth IRA contributions for a tax year up to the tax filing deadline, generally April 15 of the following year, without extensions. So 2026 contributions can be made until April 15, 2027.
Tax results are estimates based on published rules and simplified assumptions. They are not tax advice — check official guidance or a tax professional for your situation.