Educational tool, not financial advice
Everything on Roth IRA Calc — the calculators, the examples, the guides, the FAQ — is provided for educational and informational purposes only. Nothing on this site is, or is intended to be:
- Financial advice
- Tax advice
- Investment advice
- Retirement planning advice
- Legal advice
The calculators show hypothetical outcomes based on inputs you provide and assumptions about future returns, tax rates, inflation, and IRS rules. Actual results will differ. Real markets are volatile. Tax laws change. Individual circumstances vary.
No advisor relationship
Using this site does not create any advisor-client, fiduciary, professional, or contractual relationship between you and the site operator. The site operator is not a licensed financial advisor, certified financial planner, certified public accountant, attorney, or tax professional.
For any decision involving real money — opening a Roth IRA, contributing close to a phase-out range, executing a backdoor Roth contribution, converting a traditional IRA, taking early withdrawals, planning required minimum distributions, or working through estate considerations — consult a professional licensed in your jurisdiction.
Accuracy of IRS figures
We make every effort to keep contribution limits, phase-out thresholds, catch-up amounts, and tax-rule references current. All figures are sourced from official IRS publications — Publication 590-A, Publication 590-B, and current-year IRS Notices.
That said, the IRS is the authoritative source. If a number on this site differs from current IRS guidance, the IRS guidance prevails. Before acting on any material number, verify it at IRS.gov.
Future returns are unknown
The calculators use return assumptions you input — typically a conservative 5%, a planning-standard 7%, or an equity-heavy 9%. These are assumptions, not forecasts. Past stock market performance does not guarantee future results. The actual return inside a Roth IRA depends on asset allocation, fund selection, fees, contribution timing, and market conditions over decades — none of which a calculator can know in advance.
Eligibility estimates are not determinations
The eligibility checker estimates an allowed Roth IRA contribution based on the filing status, modified adjusted gross income, age, and tax year you enter. It cannot verify:
- Whether you have qualifying earned income
- Whether your MAGI calculation reflects all required add-backs
- How aggregate IRA contributions (Traditional, SEP, SIMPLE) interact with your limit
- Whether spousal contribution rules apply or whether the special MFS rule applies in your situation
Any final determination of eligibility belongs to your tax return, not this calculator. Verify with IRS Form 8606 instructions or a tax professional before relying on the result.
Third-party links
Some pages link to external sites — IRS.gov, financial news outlets, regulator pages — for reference. Roth IRA Calc is not responsible for the content, accuracy, availability, or policies of external sites.
No warranty
The site is provided as-is, without warranty of any kind, express or implied. The site operator is not liable for any loss or damage arising from use of, or reliance on, the calculators or content on this site.
Changes
This disclaimer may be updated as the site evolves or as new rules require additional clarification. Material changes will be reflected in the "last updated" date below. Continued use after a change indicates acceptance.
Last updated
May 2026