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AbleProRetirement

IRA and Roth IRA Calculator

Project your IRA balance and check your 2026 Roth IRA eligibility. If your income is in the phase-out range, the calculator shows the reduced amount you can still contribute.

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IRA balance at 67$670,103contributing $7,500 a year
Your 2026 IRA limit
$7,500
Roth IRA you can contribute
$7,500 (full amount)
Roth phase-out range
$153,000 – $168,000
Total contributed
$202,500
Investment growth
$442,603

Estimates only, not financial, tax, or investment advice.

2026 IRA limits

  • Contribution limit: $7,500 (traditional and Roth combined)
  • Catch-up at age 50+: $1,100 more
  • Roth phase-out, single: $153,000–$168,000
  • Roth phase-out, married filing jointly: $242,000–$252,000

Traditional IRA deductions

Anyone with earned income can contribute to a traditional IRA, but the deduction phases out if you are covered by a workplace plan: $81,000–$91,000 for single filers and $129,000–$149,000 for married couples filing jointly when the contributor is covered.

Common questions

What is the 2026 IRA limit?

$7,500, or $8,600 if you are 50 or older. The limit is shared between traditional and Roth IRAs.

Can I have a 401(k) and an IRA?

Yes. You can contribute to both. A workplace plan only affects whether a traditional IRA contribution is tax-deductible, not whether you can make it.

Official 2026 figures from: IRS: 2026 401(k) and IRA limits (IR-2025-111) · IRS: Catch-up contributions · IRS: Required minimum distributions · IRS: Publication 590-B (Uniform Lifetime Table) · IRS: Rev. Proc. 2025-19 (2026 HSA limits) · SSA: 2026 COLA fact sheet · CMS: 2026 Medicare premiums and deductibles · SSA: Cost-of-living adjustment history · BEA: Regional Price Parities by state (2024 data)