IRA & Roth IRA Calculator — 2026 Limits & Eligibility
By ToolZoneX Team
•
August 2026
IRAs come with two separate limits that trip people up: a contribution cap that applies to everyone, and an income-based eligibility rule that can reduce or eliminate what you're allowed to put in — differently for Roth vs. Traditional accounts. This calculator checks both at once, including the "spouse covered" edge case for married couples.
How to Use IRA & Roth IRA Calculator
1.
Enter your age and filing status2.
Enter your Modified AGI (MAGI)3.
Select your workplace retirement plan coverage situation4.
View your exact Roth eligibility and Traditional deduction amounts
Key Features
- 2026 IRS contribution limits, including the age-50+ catch-up
- Roth IRA MAGI phase-out by filing status
- Traditional IRA deduction phase-out, including the "not covered but spouse is" MFJ case
- IRS-standard linear phase-out rounding
When to Use This Tool
•
Checking whether your income is too high for a full Roth contribution this year•
Deciding between a Traditional and Roth IRA based on whether the deduction actually applies to you•
Planning a backdoor Roth once direct contributions are phased out•
Confirming your exact limit once you turn 50
Frequently Asked Questions
Yes — the annual limit applies across all your IRAs combined, not separately per account type.
Contributing to a Traditional IRA (non-deductible if you're over the limit) and then converting it to a Roth — there's no income limit on conversions, only on direct contributions.
No — it models the standard IRS phase-out formula only. Always confirm your exact figure with IRS Publication 590-A or a tax professional.
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