Roth IRA calculator

Como usar a Roth IRA calculator

O que calcula e quando usar

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

Como usar, passo a passo

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

O que significa cada campo

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

Como ler os resultados

• You lata contribute – The full limit, a reduced Quantidade ou zero.
• Saldo A withdrawal Idade – The projected Valor contributing that Quantidade Cada Ano.

A fórmula

Limit = 7,500 (plus 1,100 if 50 ou 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).

Um exemplo prático

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

Premissas e limites

• 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 Início de Cada Ano.

Erros comuns

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

Perguntas frequentes

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

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