US Roth IRA Calculator

Tax year 2026 — limit $7,000 ($8,000 catch-up at 50+), reduced pro-rata across the MAGI phase-out range. Above the upper threshold, direct Roth contributions are not allowed (consider Backdoor Roth).

Inputs

Desired contribution

Age

yrs

50+ unlocks the $1K catch-up.

Modified AGI

MAGI = AGI + select add-backs (student loan interest, foreign income, etc.).

Filing status

Result

Effective contribution allowed

$7,000

Phase-out factor: 100.0% · Cap: $7,000

Phase-out details

Filing statussingle

MAGI$120,000

Phase-out lower bound$150,000

Phase-out upper bound$165,000

Eligibility factor100.00%

2026 phase-out projected: Single/HoH $150K–$165K, Married jointly $236K–$246K, Married separately $0–$10K. Married-separately is essentially fully phased out by design — file jointly if eligible. Backdoor Roth remains available for high earners (subject to pro-rata rule).

Same deterministic math runs as a Python package, an MCP server for AI agents, and on this page. No API keys, no network — pure stdlib.

$ pip install calcnook $ uvx calcnook-mcp

>>> from calcnook.countries.us.retirement_accounts import roth_ira
>>> r = roth_ira(7_000, 30, 157_500, "single")
>>> round(r.phase_out_factor, 4)
0.5