Retirement

Roth IRA Contribution Limit Calculator

Roth IRA contributions phase out as income rises. Below the range you can contribute the full limit; within it, the amount shrinks; above it, you cannot contribute directly at all. That last case is exactly what the backdoor Roth exists to solve.

Tested against worked examplesHow we verify

Modified adjusted gross income

Filing status

Phase-out starts at

2026 figure — confirm the current threshold for your status.

Phase-out ends at

Base contribution limit

Age

You can contribute

$5,000

Reduced because your income is inside the phase-out range.

You are in the phase-out range, so your limit is reduced. If you want to contribute the full amount, lowering MAGI — through pre-tax 401(k) or HSA contributions — can bring you back under the threshold.

Full limit for your age: $7,500
Income before the phase-out: $0
Through the phase-out range: 33.33%

You can contribute$5,00067%

Phased out$2,50033%

Compare scenariosTry three values of one input

Vary

Roth IRA Contribution Limit Calculator results for three values of Modified adjusted gross income
Modified adjusted gross income
You can contribute	$7,500	$5,000−$2,500	$0−$7,500
Income before the phase-out	$10,000	$0−$10,000	$0−$10,000
Through the phase-out range	0%	33.33%+33.33%	100%+100%

Every other input stays at the value you set above — currently $155,000 for modified adjusted gross income. Differences are measured against the first column.

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How this calculator works

Below the phase-out start you may contribute the full limit, including the catch-up if 50 or older. Within the range, the limit is reduced in proportion to how far your income has progressed through it, rounded down to the nearest $10, with a $200 floor while any contribution is allowed. At or above the end, the direct contribution is zero.

Phase-out thresholds and the base limit are inputs because they change every year and differ by filing status — enter the current figures from the IRS. MAGI is taken as given; computing it from gross income involves add-backs this tool does not perform. The backdoor route for those above the limit is described but calculated separately.

What this assumes

Phase-out thresholds are based on modified adjusted gross income, which differs from both gross and adjusted gross income.
The limit applies to direct contributions only. Conversions have no income limit, which is what makes the backdoor route possible.
The annual limit is shared across all your IRAs combined, traditional and Roth together.

What changes this number

Modified AGI: Pre-tax retirement and HSA contributions lower it, which can restore eligibility that a raise removed.
Filing status: The thresholds differ substantially, and married filing separately is treated far more harshly.
Being over the limit: Not the end of it — the backdoor conversion route remains open, subject to the pro-rata rule.

A worked example

Take the single, mid phase-out scenario. These figures are produced by the calculator above, not written alongside it, so they always match what the tool returns.

What you enter

Modified adjusted gross income: $155,000
Phase-out starts at: $150,000
Phase-out ends at: $165,000

What it returns

You can contribute: $5,000
Full limit for your age: $7,500
Income before the phase-out: $0
Through the phase-out range: 33.33%

Try an example

Single, mid phase-out Fully eligible Phased out entirely

Frequently asked questions

What are the Roth IRA income limits?

Roth contributions phase out over an income band that differs by filing status and is adjusted yearly. Below the band you contribute the full limit; within it, a reduced amount; above it, nothing directly. Because the exact thresholds change annually, this calculator takes them as inputs — enter the current year's figures.

What counts as MAGI for a Roth IRA?

Modified adjusted gross income is your AGI with certain deductions added back — most people's MAGI equals or is close to their AGI. Pre-tax 401(k) and HSA contributions lower it, which is one way to drop under the phase-out and preserve full Roth eligibility.

What if I earn too much for a Roth IRA?

Use the backdoor Roth: contribute to a traditional IRA with after-tax dollars, then convert it to Roth. There is no income limit on conversions, so this is a legal, well-established route. The catch is the pro-rata rule if you hold other pre-tax IRA money — check our backdoor Roth calculator.

Can I still contribute for last year?

Yes. IRA contributions for a tax year can be made up until the tax filing deadline of the following year — typically mid-April. So you have a window after year-end to make a prior-year contribution, which is useful if a bonus or year-end figures clarified your eligibility.

Does a 401(k) affect my Roth IRA limit?

Not the limit itself — they are separate. But pre-tax 401(k) contributions lower your MAGI, which can pull you under the Roth phase-out and restore eligibility. The two accounts have independent contribution limits, so you can generally fund both.

This calculator helps answer

Roth or traditional — which should I use?

The usual framing asks whether your tax rate is higher now or later. That is correct but incomplete, and it hides the reason a Roth is often the better account even at identical rates.