Roth IRA Income Limit Calculator 2026
Check full, partial, or no eligibility and estimate your allowed contribution.
Key takeaways
- Roth IRA eligibility is based on **MAGI**, not just salary.
- If you’re in the phaseout range, your allowed contribution is reduced (not instantly zero).
- Married filing separately rules can be much stricter.
- Updated for **2026** phaseout ranges (add official thresholds).
Calculator
See step-by-step breakdown
How this calculator works
Inputs we ask for
- Filing status
- Estimated MAGI
- Age (for contribution limit / catch-up if applicable)
What we calculate
- Whether you’re eligible
- Whether you’re in the phaseout range
- Estimated allowed contribution
What this calculator does NOT do
- Compute MAGI from a full return
- Provide tax advice (e.g., backdoor Roth steps)
Assumptions + rounding
We use standard IRS phaseout logic and round to the nearest dollar.
How this calculator works
Compares MAGI to 2026 phaseout ranges by filing status and linearly estimates partial contribution within the range.
FAQ
What is MAGI?
MAGI is Modified Adjusted Gross Income — basically AGI with certain add-backs. For Roth IRA rules, MAGI can differ from your W-2 wages.
If I’m a little over the limit, can I contribute $0?
Not necessarily. If you’re inside the phaseout range, you may still be able to contribute a reduced amount.
Is this the exact IRS worksheet?
It’s an estimator based on the same phaseout concept. For filing, confirm with the official IRS worksheet or tax software.
Does my spouse’s income matter?
For joint filers, your combined MAGI is what matters.
Married filing separately — why is it harsh?
MFS Roth rules can be much more restrictive. If you’re unsure, double-check with official guidance.
Can I do a backdoor Roth?
Many people use a backdoor strategy when over the limit, but it has trade-offs (like pro‑rata rules). This site doesn’t provide individualized advice.
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More resources
These pages explain the rules, assumptions, and constants used in the calculator.