IRA Contribution Limits 2026: $7,500 Traditional and Roth IRA Max
The official 2026 Roth IRA and traditional IRA contribution limits, the age-50 catch-up and the Roth income phase-outs — contributions you can still make for 2026 until the filing deadline in 2027.
Roth IRA max contribution 2026: $7,500, or $8,600 at 50+. The 2026 Roth IRA and traditional IRA contribution limit is $7,500, or $8,600 if you are 50 or older (a $1,100 catch-up). The limit is shared across all your IRAs, traditional and Roth together. Direct Roth contributions phase out between $153,000 and $168,000 of modified AGI for single filers and $242,000 and $252,000 for married couples filing jointly.
For 2027 the IRS has not yet published the limits. Under the statutory formula (26 U.S.C. §219(b)(5); 26 U.S.C. §408A(c)(3)) the IRA limit is expected to stay $7,500, or $8,600 at 50 or older, with Roth phase-outs estimated at $158,000–$173,000 (single) and $249,000–$259,000 (joint) (QuantCalc estimates, not IRS figures): 2027 IRA contribution limits →
Official Published by the IRS for tax year 2026 (IRS Notice 2025-67). These are the figures for income earned in 2026, reported on the 2026 return filed in early 2027. Planning for 2027? See the 2027 figures →
| Limit | 2026 |
|---|---|
| Traditional and Roth IRA contribution limitPer person, traditional and Roth combined | $7,500 |
| IRA catch-up contribution, age 50+Per person aged 50 or over by December 31 | $1,100 |
| Total IRA limit at 50 or olderLimit plus catch-up | $8,600 |
You also need taxable compensation at least equal to what you contribute; a spouse without earnings can contribute on the strength of a joint return. For 2026 contributions you have until the due date of your 2026 return, not including extensions (IRS Publication 590-A), so the 2026 limit is still usable in early 2027.
Deadline: 2026 contributions can be made until April 15, 2027, the due date of a 2026 return (26 U.S.C. §6072(a) (return due date)); an extension to file does not extend it (IRS Publication 590-A).
Roth IRA contribution limit 2026
The Roth IRA limit is the same $7,500 ($8,600 at 50+), but direct contributions shrink across a modified-AGI range and stop above it (IRS Notice 2025-67):
| Filing status | Full $7,500 | Reduced | None |
|---|---|---|---|
| Single or head of household | Under $153,000 | $153,000–$168,000 | $168,000+ |
| Married filing jointly | Under $242,000 | $242,000–$252,000 | $252,000+ |
| Married filing separately (lived with spouse) | $0 | $0–$10,000 | $10,000+ |
Over the limit? A backdoor contribution or a Roth conversion may still get money into a Roth — model the conversion years and their tax with the Roth Conversion Planner ($49) → · Work out your reduced 2026 Roth limit free →
IRA limits: 2025 vs 2026 vs 2027
| Limit | 2025 | 2026 | 2027 (projected) |
|---|---|---|---|
| IRA contribution limit (traditional + Roth) | $7,000 | $7,500 | $7,500 |
| Catch-up, age 50+ | $1,000 | $1,100 | $1,100 |
| Total at 50+ | $8,000 | $8,600 | $8,600 |
| Roth phase-out, single / head of household | $150,000–$165,000 | $153,000–$168,000 | $158,000–$173,000 |
| Roth phase-out, married filing jointly | $236,000–$246,000 | $242,000–$252,000 | $249,000–$259,000 |
Gold and other precious metals in a self-directed IRA count against the same limit; see the IRS rules for gold in an IRA. Which account to fill first: retirement plans compared.
Your 2026 IRA limit
The limit is per person and shared by all your traditional and Roth IRAs.
Can you deduct it, how much can go in a Roth, and what it saves (2026)
Publication 590-A’s two worksheets, line by line, on your income: the deductible part of a traditional IRA contribution (Worksheet 1-2) and your Roth IRA limit (Worksheet 2-2). The tax engine then figures your 2026 return with and without the deduction.
Show the worksheet arithmetic
The 2026 limits used here: $7,500 per person ($8,600 at 50 or older), shared by all your traditional and Roth IRAs and capped at your taxable compensation; on a joint return a spouse with lower pay can count the other spouse’s pay, less that spouse’s own IRA contributions. Deduction ranges if you are covered at work: $81,000–$91,000 single or head of household, $129,000–$149,000 married filing jointly; not covered but your spouse is: $242,000–$252,000; married filing separately: $0–$10,000. Roth ranges: $153,000–$168,000 single or head of household, $242,000–$252,000 married filing jointly, $0–$10,000 married filing separately. Source: IRS Notice 2025-67; worksheets: IRS Publication 590-A. Inside a range the amount is rounded up to the next $10 and is at least $200.
MAGI, when you leave it blank, is the engine’s adjusted gross income for the income entered, before any IRA deduction; add back student loan interest, excluded foreign income and the other items on Pub. 590-A’s MAGI worksheets yourself (and, for the Roth worksheet, leave out Roth-conversion income) by typing your MAGI. 2026 federal and state returns as filed (the Tax Table where the form uses it), from the same tax engine as the federal income tax calculator. The standard deduction; the deduction comes off your wages for income tax only, so Social Security and Medicare tax do not change, and the earned income credit is held at its value before the deduction. The saver’s credit is not figured. State treatment: New Jersey, Pennsylvania and Massachusetts allow no IRA deduction and get no state saving here; every other state is treated as following the federal deduction, and city or county income taxes are not included.
See what converting traditional IRA money to Roth does to your tax in the Roth Conversion Planner → It figures a conversion year by year against your tax brackets, Medicare surcharges and state tax.
Traditional or Roth is a tax-rate bet across decades, not a single-year choice. QuantCalc runs your whole retirement — withdrawals, taxes, Medicare surcharges — year by year, on the 2026 figures above.
Run the free tax-aware simulation →Common questions
What is the Roth IRA contribution limit for 2026?
$7,500, or $8,600 at age 50 or older, shared with any traditional IRA contributions (IRS Notice 2025-67). The amount you can put into a Roth is reduced once modified AGI passes $153,000 (single) or $242,000 (joint).
Can I still contribute for 2026 in 2027?
Yes. IRA and Roth IRA contributions for 2026 can be made up to the due date of your 2026 return, not including extensions (IRS Publication 590-A). Tell the custodian which year the deposit is for.
What are the 2027 IRA limits?
See the 2027 IRA contribution limits page, which marks the status of each 2027 figure.
What is the deadline for 2026 IRA contributions?
April 15, 2027: the due date of your 2026 return, not including extensions (26 U.S.C. §6072(a) (return due date); IRS Publication 590-A).
Sources
- IRS Notice 2025-67
- IRS Publication 590-A
- IRS Notice 2024-80 (2025 limits)
- 26 U.S.C. §6072(a) (return due date)
Every figure on this page is read at build time from QuantCalc’s tax constants, the same ones the planner runs on, and was checked against the text of the documents above. Every figure with its source: JSON. QuantCalc is calculation software, not tax advice.
Related
2026 Saver's Credit: up to 50% of what you contribute back → 2026 Roth IRA income limits → 2026 401(k) limits → Backdoor Roth calculator → Roth IRA calculator: limit, growth, Roth vs traditional → Roth IRA rules 2026 → Which retirement plan is best? Every plan compared → Gold and precious metals in an IRA: the IRS rules →