IRA & Roth IRA Contribution Calculator
Check your 2026 IRA contribution limit, Roth IRA eligibility by income, and Traditional IRA deduction phase-out.
Your Age
Filing Status
Modified AGI (MAGI)
$
Workplace Plan Coverage (for Traditional IRA deduction)
2026 Contribution Limit
$7,500
Roth IRA — amount you can contribute
$7,500
Fully eligible — your MAGI is below the phase-out range.Traditional IRA — deductible amount
$750
Phases out between $81,000 and $91,000 MAGI since you're covered by a workplace plan.Estimate for information only, not financial, tax or investment advice. Rates and rules change, so check anything important with a qualified professional or the official source. Terms
How this calculator works
The IRS caps how much you can contribute to an IRA each year, and separately limits who gets the tax benefits based on income. A Roth IRA's contribution eligibility phases out entirely above a MAGI ceiling. A Traditional IRA is always open to contribute to, but the deduction phases out once you (or your spouse) are covered by a workplace retirement plan and your income crosses the relevant range — outside that range, contributions are still allowed, just as non-deductible (after-tax) contributions.
2026 limits
Base contribution limit: $7,500
Catch-up (age 50+): additional $1,100, for a total of $8,600
This limit is shared across all your IRAs combined (Traditional + Roth), not per account.
Common Use Cases
- Checking whether your income is too high for a direct Roth IRA contribution this year.
- Deciding between a Traditional and Roth IRA based on whether the Traditional deduction actually applies to you.
- Planning a "backdoor Roth" when direct Roth contributions are phased out.
- Confirming your exact contribution limit once you turn 50.
FAQs
What if my Roth contribution is limited — can I still contribute the rest to a Traditional IRA?
Yes. The $7,500 limit is a combined cap across Traditional and Roth IRAs, not a separate limit for each. If you're phased out of a full Roth contribution, you can split the remainder into a Traditional IRA (deductible or not, depending on your coverage situation).
What's a "backdoor Roth"?
If your income is above the Roth phase-out, you can still contribute to a Traditional IRA (non-deductible if you're covered by a workplace plan and over the deduction limit) and then convert it to a Roth IRA — there's no income limit on conversions, only on direct contributions. This has tax implications if you hold other pre-tax IRA balances (the pro-rata rule); consult a tax professional before doing this.
Is this exact to the dollar?
The phase-out uses the IRS's standard linear reduction rounded down to the nearest $10, with the $200 minimum once any amount survives — the same method the IRS worksheet uses. Always confirm your exact allowed contribution using IRS Publication 590-A or a tax professional before filing.