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Roth IRA Calculator (2026)

See your 2026 Roth IRA contribution limit after the income phase-out and how much your Roth could grow tax-free by retirement.

Roth IRA calculator (2026)

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Tax-free balance at 65

$884,229

You can contribute $7,500 for 2026

Contribution used
$7,500
Total contributions
$240,000
Tax-free growth
$644,229

2026 limit $7,500 (+$1,100 at 50+). Direct contributions phase out between MAGI $153,000–$168,000 (single) and $242,000–$252,000 (joint). You also need earned income at least equal to your contribution.

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Frequently asked questions

What is the Roth IRA limit for 2026?

$7,500, or $8,600 if you are 50 or older. The limit is shared across all your traditional and Roth IRAs.

What are the 2026 Roth IRA income limits?

Contributions phase out between $153,000 and $168,000 of modified AGI for single filers and between $242,000 and $252,000 for married couples filing jointly.

When can I withdraw from a Roth IRA tax-free?

Contributions can come out anytime. Earnings are tax- and penalty-free after age 59½ once the account has been open five years.

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