Roth IRA calculator

Come usare il Roth IRA calculator

Cosa calcola e quando usarlo

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

Come si usa, passo dopo passo

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

Cosa significa ogni dato

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

Come leggere i risultati

• You barattolo contribute – The full limit, a reduced Quantità o zero.
• Saldo A withdrawal Età – The projected Valore contributing that Quantità Ciascuno Anno.

La formula

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

Un esempio pratico

A single filer with 90,000 MAGI è below the 153,000 phase-out start e can contribute the full 7,500. Contributing that per 25 years at 7% grows a 507,574, di which 320,074 è tax-free growª.

Ipotesi e limiti

• 2026 limits e 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 Inizio di Ciascuno Anno.

Errori comuni

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

Domande frequenti

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

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