PFCHow to use this calculator
Estimate direct Roth IRA contribution room for one person. The limit depends on eligible compensation, age, MAGI, and contributions to other IRAs.
- Review the example inputs and replace them with the figures for your scenario.
- Check the assumptions and select Calculate to view the estimate.
- Compare a second scenario or open the breakdown and download the full CSV.
Illustrative example
With the example inputs, remaining 2026 roth ira contribution room is $7,500.00. Direct contributions only; traditional and Roth IRAs share an annual cap. Enter Roth-specific MAGI and eligible compensation. Separate filers who lived apart all year use the single/HOH option. Excludes conversions, rollovers, and excess-contribution corrections.
These example values are for explanation. They are not current market quotes or personalized recommendations.
Calculation method
Start with the lesser of compensation and the 2026 age-based cap. Apply the Roth MAGI phaseout, round a reduced positive allowance up to $10 (minimum $200, capped by available compensation/IRA room), and subtract Roth contributions already made.
Assumptions and limitations
2026 direct contributions only. The combined traditional/Roth IRA cap is $7,500 plus $1,100 catch-up at age 50+. MAGI bands are $153,000–$168,000 for single/HOH, $242,000–$252,000 for joint, and $0–$10,000 for separate filers who lived with a spouse. No backdoor conversions, rollovers, inherited IRAs, special repayments, or excess correction tax. Spousal compensation eligibility is not determined.
Sources
2026 Roth IRA contribution calculator FAQs
Choose a question to read the answer, then try your own numbers in the free calculator.
Is a Roth IRA limit separate from traditional IRAs?
They share an annual IRA contribution cap. Enter your other IRA contributions so they reduce the room available.
Can I use my salary instead of MAGI?
Not necessarily. Roth IRA modified AGI uses specific adjustments. Enter the figure calculated for Roth eligibility.
Does this estimate a backdoor Roth conversion?
No. Conversions have different rules and are outside this direct-contribution calculator.
Is this calculator free?
Yes. You can calculate and download the breakdown without creating an account.
Are my numbers saved?
The app sends inputs to its calculation API to produce the result, but does not save them in an app database or browser storage.
PFC provides mathematical planning estimates. Tax and retirement rules in these tools are for 2026 and do not update automatically. Check the cited sources and the terms that apply to your situation.