Roth IRA contribution-room estimator

How this estimate works

The annual IRA limit is shared across traditional and Roth IRAs. For 2026, the limit is $7,500, plus a $1,100 catch-up amount for someone age 50 or older by year-end; for 2025, it is $7,000 plus a $1,000 catch-up. In either year, the limit cannot exceed eligible taxable compensation. Roth eligibility and the permitted amount can also be reduced by Roth modified AGI and filing status. If you already contributed to another IRA, that amount reduces the shared maximum; Roth contributions already made are then subtracted to estimate remaining room.

For a Roth income phaseout, this page applies the IRS worksheet method: reduce the applicable contribution cap by the share of the phaseout range reached, round the reduced amount up to the next $10, and apply the worksheet’s $200 minimum when applicable. Tax-year 2025 and 2026 phaseout ranges differ. Enter Roth modified AGI rather than assuming it is the same as adjusted gross income.

This estimate does not determine taxable compensation or modified AGI, model a spousal IRA supported by a spouse’s compensation, account for excess or rollover contributions, or assess special tax situations. It does not establish eligibility for a contribution or provide tax advice. Confirm your inputs and contribution limit with current IRS instructions or a tax professional. Sources checked November 3, 2026: IRS Notice 2025-67: 2026 limits and phaseout ranges, IRS Publication 590-A (2025): contribution limits and Roth IRA worksheets, and IRS IRA contribution limits.

This is an educational estimate, not tax or investment advice.

Related retirement planning

Compare workplace plan match tiers with the 401(k) employer-match planner or compare Roth and traditional 401(k) scenarios with the workplace contribution calculator. These tools cover different account rules and do not determine your IRA eligibility.

How it works

Choose a tax year and filing status, then enter your Roth modified AGI, eligible taxable compensation, age 50 catch-up status, and IRA contributions already made. The browser estimates the maximum and remaining Roth contribution room under the selected assumptions.