💰 Roth IRA Calculator 2025–2026
Check your eligibility, calculate your exact contribution limit, and project your tax-free retirement balance — powered by official IRS data.
Enter your details on the left and press Calculate Roth IRA to see your personalised eligibility and growth projection.
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What Is a Roth IRA and How Does It Work?
A Roth IRA (Individual Retirement Account) is one of the most powerful tax-advantaged retirement savings accounts available to US taxpayers. Unlike a Traditional IRA where contributions are tax-deductible but withdrawals are taxed, a Roth IRA is funded with after-tax dollars — meaning your money grows completely tax-free, and qualified withdrawals in retirement are also tax-free.
To make a qualified withdrawal, you must be at least 59½ years old and the account must have been open for at least five years (the "five-year rule"). One exceptional feature: you can withdraw your contributions (not earnings) at any time, for any reason, penalty-free — making the Roth IRA uniquely flexible.
Created by Congress
The Roth IRA was established by the Taxpayer Relief Act of 1997, named after Senator William Roth of Delaware.
Tax-free growth
Dividends, capital gains, and interest earned inside a Roth IRA are never taxed — even if your balance grows to millions.
No RMDs
Unlike Traditional IRAs and 401(k)s, Roth IRAs have no Required Minimum Distributions during the account holder's lifetime.
Backdoor Roth
High earners above the income limit can still access Roth benefits via a Backdoor Roth conversion. Always consult a tax advisor first.
2025 & 2026 Roth IRA Contribution Limits (Official IRS Data)
Each year the IRS sets contribution limits and income phase-out ranges for Roth IRAs. Here are the official figures for both tax years:
| Detail | Tax Year 2025 | Tax Year 2026 |
|---|---|---|
| Contribution limit (under 50) | $7,000 | $7,500 |
| Contribution limit (age 50+, with catch-up) | $8,000 | $8,600 |
| Single filer — full contribution MAGI limit | < $150,000 | < $153,000 |
| Single filer — phase-out range | $150,000 – $165,000 | $153,000 – $168,000 |
| Married filing jointly — full contribution | < $236,000 | < $242,000 |
| Married filing jointly — phase-out range | $236,000 – $246,000 | $242,000 – $252,000 |
| Married filing separately — phase-out range | $0 – $10,000 | $0 – $10,000 |
| Tax filing deadline for contributions | April 15, 2026 | April 15, 2027 |
Sources: IRS Publication 590-A, IRS Rev. Proc. 2024-40 & 2025-xx, Fidelity, Charles Schwab, Vanguard.
Roth IRA vs. Traditional IRA: Which Is Better for You?
The right choice depends on whether you expect your tax rate to be higher or lower in retirement than it is today. If you expect to be in a higher tax bracket in retirement — choose Roth. If you need the tax deduction now — consider Traditional.
For International / Non-US Readers
The Roth IRA is a US-specific account. However, the concept of tax-advantaged retirement savings exists globally: UK — Stocks & Shares ISA / Lifetime ISA | Canada — TFSA (Tax-Free Savings Account) | Australia — Superannuation | India — NPS / ELSS | Germany — Riester-Rente. The growth projection and compounding maths in our calculator applies equally to all tax-free savings vehicles worldwide. Our tool is designed to help global users understand the power of tax-free compounding.
Frequently Asked Questions about Roth IRA
Disclaimer: This calculator is for educational and informational purposes only and does not constitute tax, legal, or financial advice. Contribution limits and income phase-out ranges are based on IRS publications current as of 2025–2026. Individual tax situations vary. Consult a qualified CPA or financial advisor before making investment decisions. Past investment performance does not guarantee future results.