United States · IRS retirement rules
Roth IRA contribution room.
Estimate the 2026 Roth IRA amount left after the annual IRA limit, taxable compensation, modified AGI phase-out and other IRA contributions.
For 2026, the combined traditional and Roth IRA limit is $7,500, or $8,600 at age 50 or older. Roth contributions phase out by filing status and modified AGI.
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2026 estimate
2026 Roth IRA phase-out bands
For joint returns, the contribution phases out from $242,000 to $252,000 of modified AGI. For single, head-of-household and qualifying married-filing-separately cases where the spouse was not lived with, the band is $153,000 to $168,000. For married filing separately after living with a spouse, the band is $0 to $10,000.
This estimate applies the IRS worksheet's gradual reduction and rounds the result up to the next $10. It does not calculate a backdoor Roth, recharacterization, excess-contribution correction, or the definition of modified AGI.
Official sources: IRS Publication 590-A and IRS 2026 cost-of-living limits. Rules verified September 29, 2026.
Estimate only
This page is educational and is not tax, benefits or investment advice. Use your tax records and ask a qualified tax professional before acting, especially if you are near a phase-out boundary.