2026 Roth IRA and Traditional IRA Contribution Limits

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.

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.

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 →

IRA contribution limits, 2026 — IRS Notice 2025-67
Limit2026
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.

Roth IRA income limits for 2026

Direct Roth IRA contributions shrink across a modified-AGI range and stop above it: $153,000–$168,000 single or head of household, $242,000–$252,000 married filing jointly, and $0–$10,000 married filing separately (IRS Notice 2025-67). Work out your reduced 2026 Roth limit →

Your 2026 IRA limit

The limit is per person and shared by all your traditional and Roth IRAs.

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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.

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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.

Sources

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 Roth IRA income limits → 2026 401(k) limits → Backdoor Roth calculator →

Traditional or Roth is a tax-rate bet across decades, not a single-year choice — see the whole picture in the free planner →