Roth IRA Calculator
Use our free Roth IRA calculator to see how much you can contribute this year and get an estimate of your potential retirement balance.
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A Roth IRA is a widely used retirement savings account with key tax advantages. Unlike traditional IRAs, which may offer tax deductions upfront, Roth IRAs are funded with after-tax dollars, which means tax-free withdrawals in retirement. The calculator below can help you estimate your maximum annual Roth IRA contribution, as well as your balance at retirement.
Investment details
- Balance at retirement
- $1,367,912
- Roth IRA
- Standard Taxable Account
About this Roth IRA calculator
Nov 12, 2026
Fact CheckedFact Checked
June Sham
Lead Writer & Content Strategist
June Sham is a lead writer on NerdWallet’s investing and taxes team covering retirement and personal finance. She is a licensed insurance producer, and previously was an insurance writer for Bankrate specializing in home, auto and life insurance. She earned her Bachelor of Arts in creative writing at the University of California, Riverside.
Pamela de la Fuente
Managing Editor
Pamela de la Fuente is a managing editor of NerdWallet's personal finance content. She leads budgeting, money-making, consumer credit and and debt coverage.
Ask her and her talented team about why credit scores matter, how to save money on your grocery bill, finding the right side hustle, how to protect your identity for free and more.
Previously, she led taxes and retirement coverage at NerdWallet.
Pamela joined NerdWallet after working at companies including Hallmark Cards, Sprint Corp. and The Kansas City Star. She has been a writer and editor for more than 20 years.
Pamela is a thought leader in content diversity, equity, inclusion and belonging, and finds ways to make every piece of content conversational and accessible to all.
She is a graduate of the Maynard Institute's Maynard 200 program, and the National Association of Black Journalists Executive Leadership Academy. She is a two-time winner of the Kansas City Association of Black Journalists' President's Award. She was also founding co-chair of NerdWallet's Nerds of Color employee resource group.
June Sham
Lead Writer & Content Strategist
June Sham is a lead writer on NerdWallet’s investing and taxes team covering retirement and personal finance. She is a licensed insurance producer, and previously was an insurance writer for Bankrate specializing in home, auto and life insurance. She earned her Bachelor of Arts in creative writing at the University of California, Riverside.
+ 1 more
Pamela de la Fuente
Managing Editor
Pamela de la Fuente is a managing editor of NerdWallet's personal finance content. She leads budgeting, money-making, consumer credit and and debt coverage.
Ask her and her talented team about why credit scores matter, how to save money on your grocery bill, finding the right side hustle, how to protect your identity for free and more.
Previously, she led taxes and retirement coverage at NerdWallet.
Pamela joined NerdWallet after working at companies including Hallmark Cards, Sprint Corp. and The Kansas City Star. She has been a writer and editor for more than 20 years.
Pamela is a thought leader in content diversity, equity, inclusion and belonging, and finds ways to make every piece of content conversational and accessible to all.
She is a graduate of the Maynard Institute's Maynard 200 program, and the National Association of Black Journalists Executive Leadership Academy. She is a two-time winner of the Kansas City Association of Black Journalists' President's Award. She was also founding co-chair of NerdWallet's Nerds of Color employee resource group.
How to fill out your Roth IRA details
Contribution year: Every year, the IRS reviews IRA contribution limits and Roth IRA income limits, which can affect whether or not and how much you can contribute to your Roth IRA.
Current age: The age you are now. Those 50 or older are eligible to contribute an extra $1,100 as a catch-up contribution in 2026 and 2027.
Tax filing status: This is the filing status that you report to the IRS on your tax forms. Filing status is one of two factors considered when determining your Roth IRA contribution limit.
Annual income: For the purposes of this calculator, use your modified adjusted gross income (MAGI), which is your adjusted gross income with specific deductions added back in. It’s one of two factors used to determine your Roth IRA contribution limit (the other being filing status).
Starting balance: The total current balance in your Roth IRA.
Annual contribution: The amount that you plan to contribute to your Roth IRA each year. The maximum amount you can contribute to your Roth IRA depends on your age, your filing status and modified adjusted gross income.
Estimated rate of return: The annual rate of return is the amount the investments in your Roth IRA lose or gain in a year. The Roth IRA calculator defaults to a 6% rate of return, which can be adjusted to reflect the expected annual return of your investments.
Retirement age: Your retirement age is the age you hope to retire. The full retirement age ranges from 65 to 67, depending on your year of birth.
» Ready to get started? See NerdWallet’s picks for the best Roth IRA accounts.
Roth IRA contribution and phase-out limits
The amount you can contribute to a Roth IRA depends on your annual income. The Roth IRA contribution limit is $7,500 for 2026 and 2027 ($8,600 if aged 50 and older). At certain incomes, the contribution amount is lowered until it is eliminated completely.
While this restricts direct contributions to a Roth IRA, high earners can utilize other options to add to their Roth IRA, such as a backdoor Roth, or explore other retirement accounts.
See the table below for a breakdown of the Roth IRA income restrictions for 2026 and 2027.
2026 Roth IRA income and contribution limits | ||
|---|---|---|
Filing status | Modified gross adjusted income | Contribution limits |
| Less than $153,000. | $7,500 ($8,600 if 50 or older). |
$153,000 or more, but less than $168,000. | Contribution is reduced. | |
$168,000 or more. | No contribution allowed. | |
| Less than $242,000. | $7,500 ($8,600 if 50 or older). |
$242,000 or more, but less than $252,000. | Contribution is reduced. | |
$252,000 or more. | No contribution allowed. | |
| Less than $10,000. | Contribution is reduced. |
$10,000 or more. | No contribution allowed. | |
2027 Roth IRA income and contribution limits | ||
|---|---|---|
Filing status | Modified gross adjusted income | Contribution limits |
| Less than $158,000. | $7,500 ($8,600 if 50 or older). |
$158,000 or more, but less than $173,000. | Contribution is reduced. | |
$173,000 or more. | No contribution allowed. | |
| Less than $250,000. | $7,500 ($8,600 if 50 or older). |
$250,000 or more, but less than $260,000. | Contribution is reduced. | |
$260,000 or more. | No contribution allowed. | |
| Less than $10,000. | Contribution is reduced. |
$10,000 or more. | No contribution allowed. | |
» Learn more about Roth IRA withdrawal rules.
Wondering how much to put in a Roth IRA per month?
If you are under 50 and qualify for the full contribution, that is around $625 per month to reach the maximum contribution limit of $7,500 for 2026 and 2027.
Salary bumps, bonuses, and even a life event change, such as marriage, could affect your Roth IRA contribution limit, especially if your MAGI is close to the Roth IRA income limits. See the table below for the phase-out ranges.