Roth IRA calculator

Roth IRA calculatorの使い方

何を計算するか、いつ使うか

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

使い方の手順

1. Choose your filing statusとenter your modified adjusted gross income.
2. Enter your 年齢、the 年齢 you will withdraw、the expected return.
3. Read the allowed contributionとthe projected 残高.

各入力項目の意味

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

結果の読み方

• You 缶 contribute – The full limit, a reduced 量またはzero.
• 残高 適用 withdrawal 年齢 – The projected 値 contributing that 量 1個あたり 年.

計算式

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

計算例

A single filer with 90,000 MAGIはbelow the 153,000 phase-out startですとcan contribute the full 7,500. Contributing that個でwhich 320,074 25 years at 7% grows to 507,574,はtax-free grow乗.です

前提と限界

• 2026 limitsと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 適用 least your contribution.
• 1個あたり 年. Contributions are made 適用 the 開始

よくある間違い

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

よくある質問

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

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