Contribution limits are annual and personal
IRS Roth IRA limits (and catch-up ages) change by year. Type only what you can actually contribute. This snapshot may mention a limit in copy; it does not enforce your MAGI.
Your numbers
Roth IRA growth
Contribution growth under an assumed return. Eligibility is not determined here.$
$
years oldSets the annual IRA limit, including catch-up from 50
years
%
Taxable compensation limits (IRC §219)
$IRC §219: Contributions cannot exceed earned taxable compensation
Projected Roth IRA growth
$433,663Eligibility not verified · Subject to IRC §219 compensation limitsContributions$150,000
Modeled growth$278,663
This year’s IRA limit$7,500Age 35
How we got this
- Annual contribution used$500.00 per month$6,000
- Total contributions$150,000
- Projected balance7% assumed return, contributed monthly$433,663
What we assumed
- This is a projected Roth IRA balance under the return you typed. It is not a determination of eligibility, and not investment advice.
- IRS tax year 2026 limits are applied: $7,500 a year, plus $1,100 catch-up for individuals age 50 or older by year-end. Contributions above the limit for your age are reduced to it. Official copy: irs-retirement-limits-2026-v1.
- Taxable compensation was not provided (contributionEligibilityChecked: false). Under IRC §219, annual IRA contributions cannot exceed your earned taxable compensation for the year.
- Those limits are held flat for the whole projection. The IRS indexes them for inflation, so later years are understated rather than guessed at.
- Roth eligibility phases out by filing status and modified adjusted gross income. Those ranges are not modeled here, so a high earner may be able to contribute less than this shows, or nothing directly.
- Contributions are assumed to be made monthly in equal amounts, at the end of each month. The return you type is applied as a nominal annual rate compounded monthly, the same convention the other projection calculators use.
- Taxes, penalties, withdrawal rules, and conversions are not included.
Technical details
Method roth-ira-v1.0.0Data irs-retirement-limits-2026-v1
Discrepancy in the numbers? You can click Report incorrect result below or email hello@costanswer.com with the Method and Data lines.
Guide
Roth IRA contribution growth, not eligibility
The page projects contributions growing at an assumed return. It does not test MAGI limits, earned-income rules, or conversion math. A projection can look healthy for someone who is not allowed to contribute.
Questions about this calculator
Can I contribute to a Roth IRA?
This page will not say. Eligibility depends on earned income and MAGI. Use IRS Publication 590-A or a tax professional.
Does this check Roth IRA income limits?
It illustrates growth from contributions and a return you enter. Income-phaseout eligibility is not determined here; check current IRS rules.
Terms used here
- MAGI
- Modified adjusted gross income, used in Roth IRA eligibility. Not computed here.
- Roth IRA
- A retirement account with after-tax contributions and potentially tax-free qualified withdrawals. This page only grows contributions.
Practical tips
If you are near an income limit, do not treat a maxed projection as a plan.
Employer plans are on the 401(k) page; they have different limits.
Limits and caveats
Not tax advice and not an eligibility determination.
Results are for information. They are not legal, tax, medical, or financial advice. How the math is maintained · Report a wrong figure.
Engine notes
Rounding, versioning, and omissions that sit beside the guide rather than repeating it.
- Growth only. Current balance plus monthly contributions compound monthly at the assumed return, using the shared contribution-growth primitive.
- Contribution-limit context. The IRS tax year 2026 IRA contribution limit is $7,500 (plus $1,100 catch-up at age 50+). Those caps are not enforced in the math.
- Eligibility. Roth IRA contribution eligibility depends on filing status and modified AGI. This page will not say you are eligible to contribute a stated amount.