Roth IRA calculator

Cómo usar la Roth IRA calculator

Qué calcula y cuándo usarla

Shows how much you can contribute a a Roth IRA this year given your income y filing status, y projects tax-free grow.ª.

Cómo usarla, paso a paso

1. Choose your filing status y enter your modified adjusted gross income.
2. Enter your Edad, the Edad you will withdraw y the expected return.
3. Read the allowed contribution y the projected Saldo.

Qué significa cada dato

• MAGI – Your adjusted gross income with certain deductions added back.
• Filing status – Sets the income phase-out Rango.

Cómo leer los resultados

• You bote contribute – The full limit, a reduced Cantidad o zero.
• Saldo A withdrawal Edad – The projected Valor contributing that Cantidad Cada uno Año.

La fórmula

Limit = 7,500 (plus 1,100 if 50 o older). In the phase-out range the contribution = limit × (top de range − MAGI) ÷ range width, rounded up a the next 10 with a minimum de 200. Balance = balance × (1 + r)^n + contribution × ((1 + r)^n − 1) ÷ r × (1 + r).

Un ejemplo práctico

A single filer with 90,000 MAGI es below the 153,000 phase-out start y can contribute the full 7,500. Contributing that por 25 years at 7% grows a 507,574, de which 320,074 es tax-free grow.ª.

Supuestos y límites

• 2026 limits y phase-out ranges (single 153,000–168,000, married filing jointly 242,000–252,000, married filing separately 0–10,000).
• Earned income must be A least your contribution.
• Contributions are made A the Inicio de Cada uno Año.

Errores comunes

• Contributing above the limit, which triggers a penalty.
• Forgetting that withdrawals de earnings antes 59½ may be taxed.

Preguntas frecuentes

Dated rules: US federal figures por tax year 2026 (IRS Rev. Proc. 2025-32 y IRS notices). These calculators are estimates por planning, not tax advice.

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