See your tax-free retirement balance with 2026 IRS contribution limits and MAGI phase-out applied automatically. USA.
OPERATOR_TO_FILL: ~400-word intro copy for Roth IRA calculator.
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Your Results
$0
Tax-Free Balance at Retirement
$0
Total Contributions (after-tax)
$0
Total Tax-Free Growth
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Phase-Out Status
$0
Tax Saved vs Taxable Account
Year-by-Year Growth
Year
Age
Contribution
Year-End Balance
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Methodology & Sources
This calculator applies the 2026 IRS Roth IRA contribution limits ($7,000 base, $8,000 with the age-50 catch-up) and the MAGI phase-out windows for single, married-filing-jointly, and married-filing-separately filers. Growth is compounded annually using a half-year contribution convention. The "Tax Saved vs Taxable Account" figure compares the Roth balance against an equivalent taxable brokerage account assuming a 22% effective drag on annual returns.
$7,000 if you are under 50, or $8,000 if you are 50 or older. Both numbers can be reduced or eliminated based on your modified adjusted gross income (MAGI) and filing status.
At what income am I phased out of a Roth IRA?
For 2026, single filers phase out between $150,000 and $165,000 of MAGI. Married filing jointly phases out between $236,000 and $246,000. Married filing separately while living with your spouse phases out between $0 and $10,000.
Can I contribute to a Roth IRA if I have a 401(k)?
Yes. The 401(k) and Roth IRA limits are separate. You can max both — $23,500 to your 401(k) plus $7,000 to your Roth IRA in 2026, subject to the MAGI phase-out for the Roth.
What is a backdoor Roth IRA?
If your MAGI exceeds the Roth phase-out, you can contribute to a Traditional IRA (no income limit) and then convert it to a Roth. The conversion is taxable to the extent of pre-tax dollars in the IRA. This calculator does not model conversions — it shows direct contribution growth only.
Are Roth IRA withdrawals really tax-free?
Qualified withdrawals are tax-free and penalty-free if the account is at least 5 years old AND you are at least 59½. Contributions (not earnings) can be withdrawn anytime without tax or penalty.