Retirement

IRA Contribution Limit & Eligibility Calculator

Check your maximum allowable Traditional and Roth IRA contribution limits based on Modified Adjusted Gross Income (MAGI) and tax filing status.

What this calculator does

The IRA Contribution Limit & Eligibility Calculator estimates your result instantly from the values you enter, using standard retirement formulas. Check your maximum allowable Traditional and Roth IRA contribution limits based on Modified Adjusted Gross Income (MAGI) and tax filing status. Calculations run in your browser, so nothing you type is sent to a server, and the output is an estimate for planning rather than financial advice.

IRA Contribution Limit Calculator (Roth Phase-Out) Results

$0.00

Allowed Contribution

  • Phase-Out Status —

What This Means

About IRA Contribution Limit & Eligibility Calculator

The IRA Contribution Limit Calculator verifies your eligibility to contribute directly to a Roth IRA or deduct Traditional IRA contributions based on IRS Modified Adjusted Gross Income (MAGI) phase-out thresholds.

Formula & Mathematical Calculation

Phase-Out Prorated Limit = Max Limit × [ ( Phase-Out Upper Limit - MAGI ) / Phase-Out Range ]

Calculation Example

Single Filer ($150,000 MAGI, 2026 Phase-Out Range $146,000 - $161,000): In phase-out range → Allowable Direct Roth IRA Contribution = $5,133 (Reduced from $7,000).

Key Benefits

  • Checks Roth IRA direct contribution eligibility based on IRS MAGI phase-outs
  • Determines Traditional IRA deductibility limits for workplace plan participants
  • Prevents IRS 6% excess contribution excise tax penalties
  • Identifies Backdoor Roth IRA requirements for high earners
  • Up to date with current IRS contribution guidelines

How to Use this Calculator

  1. Select Tax Filing Status
    Choose Single, Married Filing Jointly, or Married Filing Separately.
  2. Enter Modified AGI (MAGI)
    Input estimated annual MAGI.
  3. Check Covered by Workplace Plan
    Indicate if you or your spouse has a 401(k) at work.
  4. Check Eligibility
    Click Calculate to view exact contribution limits.

Assumptions & Limitations

What the calculation assumes

  • Every value you enter is treated as an exact, known amount.
  • Rates and contributions are assumed to stay constant for the whole period unless the form asks for them separately.
  • Results use standard financial formulas and ignore fees, penalties and promotional terms that are not entered above.
  • Inflation, tax changes and market volatility are not modelled unless a field for them is provided.
  • Amounts are unit-agnostic: results are returned in the same currency you enter.

What it does not cover

  • IRA Contribution Limit & Eligibility Calculator produces estimates for education and planning, not a quote, offer or professional advice.
  • Real-world outcomes differ when fees, taxes, rounding rules or provider-specific terms apply.
  • Local regulations and tax rules vary by country and change over time; verify current rules for your jurisdiction.
  • Figures are only as accurate as the inputs you supply — check them before acting on the result.
  • For decisions with lasting financial impact, confirm the numbers with a qualified professional.

Frequently Asked Questions

A Backdoor Roth IRA is a legal strategy where high earners who exceed income limits make a non-deductible Traditional IRA contribution and immediately convert it to a Roth IRA.

Inside the phase-out band the allowed amount equals your maximum limit times the upper threshold minus your MAGI, divided by the upper threshold minus the lower threshold. The result shrinks steadily as your MAGI climbs through the range.

A MAGI at or below the lower threshold returns the full limit, a MAGI at or above the upper threshold returns zero, and anything in between returns a partial amount prorated across the range.

You supply the maximum limit and the lower and upper MAGI bounds yourself. The tool holds no fixed figures of its own, so you enter the current values you want it to use.

The allowed amount falls in a straight line from the full limit at the lower bound down to zero at the upper bound, in proportion to how far your MAGI has moved through the range.

Free to use, no account needed. Calculations run in your browser, so nothing you type is sent to a server. Results are estimates — how we build and check our calculators.

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