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.
2026 figure — confirm the current threshold for your status.
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%
Already in or above the range.
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.
Try an example
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.
Related calculators
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Backdoor Roth Calculator
Earn too much for a Roth IRA? See what the backdoor route costs — a non-deductible contribution converted to Roth — and how the pro-rata rule taxes it.
Roth vs Traditional 401(k) Calculator
Compare a Roth and a traditional 401(k) on equal terms — same contribution, with the traditional tax savings invested — to see which leaves more after tax.
Traditional IRA Calculator
Project your traditional IRA at retirement, see this year's tax deduction, and estimate the tax you'll owe on withdrawals. Uses the 2026 limit of $7,500.
Disclaimer: DayCents provides this calculator for educational purposes only. Results are estimates based on your inputs and the stated assumptions — they are not financial advice, a quote, or an offer of credit. Consult a qualified financial professional before making major money decisions.