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Over $153k single or $242k joint, your Roth limit starts shrinking. Know your number.
Roth IRA eligibility disappears gradually, not all at once: the 2026 phase-out runs from $153,000 to $168,000 MAGI for single filers and $242,000 to $252,000 for joint filers, trimming your $7,500 limit ($8,600 at 50+) as income rises through the band. This calculator applies the actual IRS formula — including the round-up-to-$10 rule and the $200 floor — and tells you the exact dollar amount you can contribute, or the backdoor route if you are past the top.
Anyone whose income crossed into six figures uses it in January or at bonus time: the phase-out trims the limit gradually, and guessing wrong either wastes Roth space or triggers the 6% excess-contribution penalty. It turns "am I still eligible" into an exact dollar amount.
$7,500 if you are under 50, $8,600 if you are 50 or older (the catch-up rose to $1,100 under SECURE 2.0 indexing). The limit covers all IRAs combined — Roth and traditional together. Full contribution requires MAGI under $153,000 (single/head of household) or $242,000 (married filing jointly).
Inside the band, your limit shrinks proportionally: limit × (top of range − your MAGI) ÷ width of range, rounded up to the nearest $10, with a $200 floor near the top. Example: single filer, $160,000 MAGI, under 50 → $7,500 × $8,000/$15,000 = $4,000. At $167,900 the formula yields $50, so the $200 floor applies. At $168,000 the direct Roth is gone.
Three standard moves. One: lower MAGI — more pre-tax 401(k) or HSA contributions can pull you back under the threshold. Two: the backdoor Roth — contribute to a traditional IRA (no income limit) and convert to Roth; watch the pro-rata rule if you hold other pre-tax IRA balances. Three: if your employer plan allows it, a mega backdoor via after-tax 401(k) contributions. Exceeding the limit without fixing it costs a 6% penalty per year on the excess.