Eligibility calculator
Am I eligible to contribute to a Roth IRA in 2026?
Estimate whether your modified adjusted gross income allows a full, partial, or zero direct Roth IRA contribution for 2026. The calculator also includes 2025 for comparison.
Last updated: May 2026. Reviewed against IRS 2026 IRA contribution limits and Roth IRA phase-out ranges.
Estimated direct Roth IRA contribution for 2026$7,500
Full contribution
Why this result appears
Your MAGI is below the phase-out threshold for single, so the calculator estimates a full $7,500 Roth IRA contribution before earned-income limits.
| Filing status | Phase-out starts | No direct contribution at |
|---|---|---|
| Single | $153,000 | $168,000 |
| Head of household | $153,000 | $168,000 |
| Married filing jointly | $242,000 | $252,000 |
| Married filing separately, lived with spouse | $0 | $10,000 |
| Married filing separately, lived apart all year | $153,000 | $168,000 |
| Qualifying surviving spouse | $242,000 | $252,000 |
Married filing separately taxpayers who lived apart from their spouse for the entire year use the single/head of household phase-out range for this estimate.
Source: IRS IR-2025-111. This is educational information, not tax advice.
How this eligibility estimate works
The estimate compares your MAGI with the IRS Roth IRA phase-out range for your selected filing status and tax year. Inside the range, it reduces the maximum contribution proportionally, rounds the reduced limit up to the next $10 step, and applies the $200 floor when a reduced contribution is still allowed.
Source for 2026 limits: IRS IR-2025-111. This calculator is educational and does not verify taxable compensation, spouse-specific rules, or backdoor Roth conversion tax effects.
Formula details are documented in the calculator methodology.