---
title: "Roth IRA Calculator"
method: GET
path: "/api/calc/roth-ira-calculator"
tags: ["Finance"]
---

# Roth IRA Calculator

`GET /api/calc/roth-ira-calculator`

## Request

- Base URL: `https://calcbright.com`
- URL: `https://calcbright.com/api/calc/roth-ira-calculator`
- Auth: none declared

Check the 2026 Roth IRA limit ($7,500, or $8,600 at 50+) and the income phase-out for your MAGI, then project your tax-free balance against a taxable account.

## Query parameters

- `age` number: Current age (years)
- `retireAge` number: Retirement age (years)
- `balance` number: Current Roth IRA balance
- `contribution` number: Annual contribution 2026 limit: $7,500, or $8,600 at 50+.
- `magi` number: Modified AGI (MAGI)
- `filing` 'single' | 'married' | 'hoh' | 'mfs': Filing status
- `rate` number: Expected annual return (%)
- `taxRate` number: Tax on gains in a taxable account (%) Applied to growth each year – e.g. 15% long-term capital-gains rate.

## Response `200`

Calculation result

- CalcOutput
  - `ok` boolean
  - `tool` string
  - `name` string
  - `url` string: Open this link to see the full calculation
  - `inputs` object
  - `summary` string: Plain-text answer
  - `details` string
  - `result` object
  - `errors` object

## Other responses

- `400`: Invalid input (see errors)

---

[API](https://skmtc.dev/calcbright/apis/calcbright-calculator-api.md) · [All operations](https://skmtc.dev/calcbright/apis/calcbright-calculator-api/llms.txt) · [OpenAPI document](https://skmtc.dev/calcbright/apis/calcbright-calculator-api/revisions/f58229e56e58?raw)