Project tax-free Roth IRA value with 2026 contribution limits and MAGI phase-out.
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Contribution is capped at the 2026 age-based Roth IRA limit. MAGI phase-out warns — it does not block the calculator. The link updates with your numbers.
Verdict
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Tax-free value at retirement
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Years to retire
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Annual amount used
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Total contributions
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Earnings
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Contributions (incl. starting balance)Earnings
Monthly compounding. Starting balance plus new contributions, grown to retire age. Qualified Roth withdrawals are generally tax-free; this is not a guarantee.
2026 Roth IRA limits
Contribution: $7,500
Catch-up age 50+: $1,100 (total $8,600)
MAGI phase-out, single / HOH: $153,000–$168,000
MAGI phase-out, married filing jointly: $242,000–$252,000
MAGI phase-out, married filing separately: $0–$10,000
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FAQ
What is the Roth IRA contribution limit for 2026?
The 2026 Roth IRA contribution limit is $7,500, or $8,600 if you are age 50 or older ($1,100 catch-up). Traditional and Roth IRA contributions share that limit. Income phase-outs can reduce or eliminate the amount you can put in a Roth IRA.
What is the 2026 Roth IRA MAGI phase-out?
For 2026, Roth IRA MAGI phase-outs are $153,000–$168,000 single or head of household, $242,000–$252,000 married filing jointly, and $0–$10,000 married filing separately. This tool warns if MAGI is in the range; it does not hard-block the projection. Confirm with a tax pro. Not tax advice.
Is Roth IRA growth tax-free at retirement?
Qualified Roth IRA withdrawals of contributions and earnings are generally tax-free. Qualification usually requires the account to be at least five years old and the owner to be 59½ or to meet another IRS exception. This page projects tax-free value for education only and is not tax advice.
Educational estimate only. Not tax, investment, or legal advice. Future returns, tax law, and your situation will differ. 2026 IRS figures are labeled as 2026 limits.
