Roth IRA calculator

How much you 罐 put into a Roth IRA this 年份 given your income, 和 what it could grow 至 tax-free.

Filing status

Modified adjusted gross income

Your 年龄

年

Withdraw 从年龄

年

Roth IRA 余额 now

Return

% 每年

关于Roth IRA calculator

How much you 罐 put into a Roth IRA this 年份 given your income, 和 what it could grow 至 tax-free.

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如何使用Roth IRA calculator

它计算什么，何时使用

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

使用步骤

Choose your filing status 和 enter your modified adjusted gross income.
Enter your 年龄、the 年龄 you will withdraw、the expected return.
Read the allowed contribution 和 the projected 余额.

各输入项的含义

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

如何阅读结果

You 罐 contribute – The full limit, a reduced 数量或 zero.
余额以 withdrawal 年龄 – The projected 数值 contributing that 数量每件年份.

公式

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

计算示例

A single filer with 90,000 MAGI 是 below the 153,000 phase-out start 和 can contribute the full 7,500. Contributing that件25 years at 7% grows 至 507,574, which 320,074 是第 tax-free grow 次.

假设与局限

2026 limits 和 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 以 least your contribution.
Contributions are made 以 the 开始每件年份.

常见错误

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

常见问题

What if my income 是 too 最高?

You may still be able 至 use a “backdoor” Roth conversion. Ask a 税款 adviser.

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

详情

Phase-out 极差: £153,000 至 £168,000
余额以 withdrawal 年龄: £507,574每年 contributing £7,500
总计 you put 英寸: £187,500
第 Tax-free grow 次: £320,074

Limits 和 phase-out ranges are件the 2026 tax year 和 are set by the IRS. You also need earned income at least equal 至 your contribution. Qualified withdrawals need the account to be five years old 和 you 至 be 59½.