Tools

Backdoor Roth calculator

2026 MAGI bands, the $7,500 / $8,600 IRA cap, and the aggregation rule. Read the backdoor Roth guide if pro-rata is new. This does not file Form 8606 for you.

Filing status Modified AGI (MAGI) Age Intended IRA contribution

Pre-tax traditional / SEP / SIMPLE IRA balance Existing after-tax IRA basis (Form 8606 line 14) Ordinary tax rate on a conversion % Can a current 401(k) take an incoming IRA rollover?

2026 result

Educational estimate. 2026 direct Roth phase-out is single / head of household $153,000–$168,000, married filing jointly $242,000–$252,000, married filing separately $0–$10,000 (IRS Notice 2025-67). The IRA cap is $7,500, or $8,600 at age 50+. A reduced limit rounds down to the next $10; if that result is more than $0 and less than $200, Pub. 590-A allows $200. 401(k) balances are not in the IRA pro-rata fraction. After-tax 401(k) room is the mega backdoor. Sequence if the file is messy: PayPal playbook.