Most IRA calculators either skip the income question entirely or treat Roth eligibility as a yes/no cliff. It's actually a gradient.
Roth ira income limit calculator 2026, with the actual phase-out math
For 2026, single filers between $153,000 and $168,000 MAGI don't lose Roth eligibility all at once — their allowed contribution shrinks proportionally across that range. At the exact midpoint, $160,500, this tool shows the contribution cut to $3,750 — precisely half of the full $7,500 limit. Cross $168,000 entirely and it drops to $0.
Traditional vs roth ira calculator, in one tool
Rather than splitting Traditional and Roth into separate calculators, this tool covers both with a mode toggle — the growth math is identical (contribute, compound, withdraw), the difference is entirely about when you pay tax, which the tool explains directly for whichever mode is selected.
Ira contribution limit calculator, age-aware
The base 2026 IRA limit is $7,500; add the $1,100 catch-up at age 50+ for a total of $8,600. Enter a contribution above your limit and the tool caps it with a clear warning, the same way it handles Roth phase-out.
