What's the 2026 Roth IRA contribution limit?

$7,000 per year for most savers, or $8,000 if you're 50 or older, subject to IRS income eligibility limits that change annually — confirm current limits at irs.gov.

Can anyone contribute to a Roth IRA?

No, eligibility phases out above certain income thresholds set by the IRS each year; check your modified adjusted gross income (MAGI) against the current-year limits.

Roth IRA Calculator

Project your Roth IRA balance at retirement from your contributions and expected return.

Current balance ($)

Annual contribution ($)

Current age

Retirement age

Expected annual return (%)

Projected balance at retirement Enter your numbers above

2026 Roth IRA contribution limit is $7,000/year ($8,000 if 50+) — check current IRS/income limits, since Roth eligibility phases out at higher incomes. Not investment advice.

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How this Roth IRA projection works

This calculator grows your current Roth IRA balance and annual contributions at your assumed rate of return until retirement, using annual compounding. A key advantage of a Roth IRA is that qualified withdrawals in retirement are federal-income-tax-free, unlike a traditional IRA.

Frequently asked questions

What's the 2026 Roth IRA contribution limit?: $7,000 per year for most savers, or $8,000 if you're 50 or older, subject to IRS income eligibility limits that change annually — confirm current limits at irs.gov.
Can anyone contribute to a Roth IRA?: No, eligibility phases out above certain income thresholds set by the IRS each year; check your modified adjusted gross income (MAGI) against the current-year limits.