Your direct Roth contribution cannot be more than your taxable compensation, so both income and MAGI are used.
Select your filing status and enter your compensation and MAGI to see your 2026 direct Roth IRA contribution range.
About the Roth IRA phaseout checker
The Roth IRA phaseout checker shows how much you can contribute directly to a Roth IRA for 2026. Pick your federal tax filing status, say whether you are 50 or older, and enter your taxable compensation and modified adjusted gross income (MAGI). The tool returns your 2026 direct Roth contribution range: the full limit, a reduced amount, or zero when your income is too high.
For 2026 the IRS base IRA contribution limit is $7,500, and people 50 or older can add a $1,100 catch-up for a $8,600 total. Eligibility to contribute directly to a Roth phases out by MAGI: between $153,000 and $168,000 for single or head-of-household filers, between $242,000 and $252,000 for married filing jointly, and between $0 and $10,000 for married filing separately. Within those ranges the limit is reduced using the IRS Publication 590-A worksheet, rounded up to the nearest $10 with a $200 floor. Your contribution also cannot exceed your taxable compensation. This is a planning estimate, not tax or financial advice. Special situations such as a backdoor Roth, spousal IRA, or filing separately while living apart can change your result, so confirm with a tax professional. The result panel links to IRS Publication 590-A.
How to use
- Select your 2026 federal tax filing status: single or head of household, married filing jointly, or married filing separately.
- Choose whether you are under 50 or 50 or older in 2026.
- Enter your taxable compensation for 2026, such as wages or self-employment income.
- Enter your 2026 modified adjusted gross income (MAGI).
- Select Check Roth eligibility to see your 2026 direct Roth IRA contribution range.
Worked examples
Single, under 50, $90,000 MAGI: full $7,500 limit
MAGI below the $153,000 single threshold allows the full 2026 base contribution, capped by your compensation.
Single, under 50, $160,500 MAGI: about $3,750 reduced limit
Halfway through the $153,000 to $168,000 phase-out range, roughly half of the $7,500 limit remains.
Married filing jointly, $260,000 MAGI: $0 direct contribution
Above the $252,000 joint upper threshold, no direct Roth contribution is allowed for 2026.
Frequently asked questions
- What are the 2026 Roth IRA income phase-out ranges?
- For 2026 the Roth IRA MAGI phase-out range is $153,000 to $168,000 for single and head-of-household filers, $242,000 to $252,000 for married filing jointly, and $0 to $10,000 for married filing separately. Below the lower number you can contribute the full limit, above the upper number you cannot contribute directly, and in between the limit is reduced. These figures come from IRS news release IR-2025-111 and Notice 2025-67.
- What is the 2026 Roth IRA contribution limit?
- The 2026 base IRA contribution limit is $7,500. If you are 50 or older during 2026 you can add a $1,100 catch-up for a total of $8,600. The phase-out reduces this limit based on your MAGI, and your contribution also cannot exceed your taxable compensation for the year.
- How is the reduced contribution in the phase-out range calculated?
- The tool uses the IRS Publication 590-A reduced-contribution method: it multiplies your limit by the share of the phase-out range still below your MAGI, rounds the result up to the nearest $10, and applies a $200 minimum when the result is above zero. This matches the IRS Worksheet 2-2 approach.
- Why does the married-filing-separately range start at $0?
- For married people filing separately who lived with their spouse at any point during the year, the Roth phase-out range is $0 to $10,000 and is not adjusted for inflation, so even a modest MAGI reduces or eliminates a direct contribution. If you are married filing separately and lived apart from your spouse for the entire year, the single-filer range applies instead. Pick single or head of household in that case.
- What if my MAGI is above the range?
- If your MAGI is at or above the upper threshold for your filing status, you cannot make a direct Roth IRA contribution for 2026. Some people use a backdoor Roth (a nondeductible traditional IRA contribution followed by a conversion) or other strategies, but those have their own rules and tax consequences. This tool does not model them. Confirm your options with a tax professional.
- Does this calculator give tax or financial advice, or store my numbers?
- No. It is a planning estimate based on the published 2026 IRS figures, and it is not tax or financial advice. The calculation runs entirely in your browser. The tool does not collect your name, Social Security number, account numbers, tax returns, or any income data, and it does not save the values you enter.
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