2026 Roth IRA Income Limits (MAGI Phase-Out Ranges)
The official 2026 modified-AGI ranges over which direct Roth IRA contributions phase out, by filing status, and a calculator for the reduced amount.
For 2026, you can make a full Roth IRA contribution if your modified AGI is under $153,000 (single or head of household) or $242,000 (married filing jointly). The amount phases out to zero at $168,000 and $252,000; for married filing separately the range is $0 to $10,000. The full contribution is $7,500 ($8,600 at 50+).
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 →
| Filing status | Full contribution below | No contribution at or above |
|---|---|---|
| Single, head of household, or married filing separately (lived apart all year) | $153,000 | $168,000 |
| Married filing jointly or qualifying surviving spouse | $242,000 | $252,000 |
| Married filing separately (lived with spouse) | $0 | $10,000 |
| 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 |
Inside the range the limit shrinks in proportion to how far through it your MAGI is. Publication 590-A’s Worksheet 2-2 then rounds the result up to the next $10 and sets a $200 floor for anyone still inside the range (IRS Publication 590-A). Over the top of the range, a backdoor Roth contribution may still be open to you.
Your 2026 Roth IRA limit
Assumes your taxable compensation is at least the limit and you made no traditional IRA contributions for 2026.
Over the limit is not the end of it — a backdoor contribution or a conversion may still fit. 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 are the Roth IRA income limits for 2026?
For 2026, you can make a full Roth IRA contribution if your modified AGI is under $153,000 (single or head of household) or $242,000 (married filing jointly). The amount phases out to zero at $168,000 and $252,000; for married filing separately the range is $0 to $10,000. The full contribution is $7,500 ($8,600 at 50+). Source: IRS Notice 2025-67.
How is a partial Roth contribution worked out?
Divide how far your MAGI is into the range by the range's width ($15,000 single, $10,000 joint), reduce the limit by that fraction, round up to the next $10, and use $200 if the result is lower (IRS Publication 590-A, Worksheet 2-2).
What about 2027?
See the 2027 Roth IRA income limits, with the status of each 2027 figure marked.
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 contribution limits → Backdoor Roth calculator → 2026 federal tax brackets →