Check your 2026 Roth IRA income eligibility and project your tax-free retirement growth.
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Used only to check eligibility.
Projected Roth IRA Balance
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2026 Contribution Eligibility—
Total Contributions—
Total Tax-Free Growth—
Formula
Same compound growth as a Traditional IRA, but qualified withdrawals in retirement are entirely tax-free.
Example
A single filer with $90,000 MAGI is well under the $153,000 phase-out and can contribute the full $7,500. Starting at 30 with $10,000 saved projects to roughly $1.14 million by 65.
Not tax or financial advice. This calculator provides general estimates based on published 2026 figures. Always confirm important figures with the IRS, SSA, your state tax agency, a licensed lender, or a qualified professional.
Frequently Asked Questions
What are the 2026 Roth IRA income limits?
Direct contributions phase out between $153,000 and $168,000 MAGI for single filers, and between $242,000 and $252,000 for married filing jointly.
Are Roth IRA withdrawals really tax-free?
Qualified withdrawals after age 59 and a half, once the account is at least 5 years old, are entirely federal tax-free, including all investment growth.