What you can put in for 2026
The limit is $7,500, or $8,600 at 50 and older. It shrinks once your modified adjusted gross income (MAGI) passes $153,000 single or $242,000 married filing jointly, and reaches zero at $168,000 and $252,000.
Source: IRS
How the income cut works
The IRS starts from the smaller of the limit and your taxable pay, reduces it by how far you are into that range and rounds up to the next $10. Anything you put in a traditional IRA the same year comes off too. At $160,000 single, you can put in $4,000.
Source: IRS
What time does
At 30 with $5,000 saved, $7,500 a year at 7% grows to about $1,090,159 by 65. $262,500 of that is what you put in; the rest is growth you never pay tax on, if withdrawals are qualified.
Frequently asked questions
How much will my Roth IRA be worth at retirement?
It depends on what you add, your return and the years left. In the example, $7,500 a year from 30 to 65 at 7% reaches about $1.09 million. $3,000 a year reaches about $468,094.
What if my income is too high for a Roth IRA?
The calculator shows $0 allowed. A traditional IRA has no income limit to contribute, though its deduction can be limited.
Does it include the catch-up at 50?
Yes. From 50 on, each year uses the $8,600 limit.
Why is the number not adjusted for inflation?
The result is in future dollars. Prices will be higher by then, so the same amount will buy less than it does today.
Are my numbers saved?
No. Nothing you type leaves this page.
Further reading
IRS: 401(k) limit increases to $24,500 for 2026, IRA limit to $7,500 ↗IRS: Publication 590-A, contributions to IRAs ↗IRS: Roth comparison chart ↗Educational examples, not individual financial advice.