{
  "title": "2026 Roth IRA and Traditional IRA Contribution Limits",
  "canonical": "https://quantcalc.app/ira-contribution-limits-2026/",
  "tax_year": 2026,
  "status": "OFFICIAL",
  "license": "CC-BY-4.0",
  "date_modified": "2026-09-23",
  "sources": [
    {
      "label": "IRS Notice 2025-67",
      "url": "https://www.irs.gov/pub/irs-drop/n-25-67.pdf"
    },
    {
      "label": "IRS Publication 590-A",
      "url": "https://www.irs.gov/publications/p590a"
    }
  ],
  "figures": {
    "ira_limit": 7500,
    "ira_catch_up_50": 1100,
    "ira_limit_50_plus": 8600,
    "roth_phaseout": [
      {
        "scope": "Single / head of household",
        "low": 153000,
        "high": 168000
      },
      {
        "scope": "Married filing jointly",
        "low": 242000,
        "high": 252000
      },
      {
        "scope": "Married filing separately (lived with spouse)",
        "low": 0,
        "high": 10000
      }
    ]
  }
}