2027 Roth IRA Income Limits (MAGI Phase-Outs)
Updated · 2026 figures official · 2027 figures projected until the agency publishes
Projected 2027 modified-AGI phase-out ranges for direct Roth IRA contributions, by filing status.
Projected for 2027, the Single / head of household is $157,000 – $172,000; Married filing jointly is $249,000 – $259,000; Married filing separately is $0 – $10,000.
Projected The agency has not published 2027 yet. Every 2027 figure below is our projection under the statutory formula (+3.06% C-CPI-U), shown so you can plan before the announcement — and replaced here the day the official number lands.
| Item | 2026 | 2027 | Status |
|---|---|---|---|
| Single / head of household | $153,000 – $168,000 | $157,000 – $172,000 | Projected |
| Married filing jointly | $242,000 – $252,000 | $249,000 – $259,000 | Projected |
| Married filing separately (lived with spouse)Not subject to an annual cost-of-living adjustment; fixed at $0-$10,000 by statute. | $0 – $10,000 | $0 – $10,000 | Unchanged by statute |
2026 figures as published by IRS Notice 2025-67, as announced in IRS Newsroom — source, retrieved 2026-09-19. Every figure on this page is read from a dataset at build time; none is typed into the page.
Where do you land in 2027?
MAGI for Roth purposes — AGI with a short list of add-backs.
Thanks — you’re on the list. One email, once the official figures are on this page.
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 2026 and 2027 figures.
Run the free tax-aware simulation →How this figure is set
Set under IRC §408A(c)(3). Indexed to C-CPI-U. Phase-out start rounded down to the next lowest multiple of $1,000; the width of the phase-out range is fixed by statute ($15,000 single/HoH, $10,000 MFJ) and is not indexed. (IRS Notice 2025-67, as announced in IRS Newsroom, retrieved 2026-09-19)
Common questions
Are the 2027 roth ira contribution income limits figures final?
No. The agency publishes in the autumn. Until then the 2027 column here is a projection produced by applying the statutory indexing formula — C-CPI-U, Phase-out start rounded down to the next lowest multiple of $1,000; the width of the phase-out range is fixed by statute ($15,000 single/HoH, $10,000 MFJ) and is not indexed. — to the official 2026 figures, using a +3.06% growth factor. It is labelled as a projection on every row, and this page is regenerated from the dataset the day the official figure lands.
When will the official 2027 Roth IRA income limits be announced?
The IRS publishes the official 2027 Roth IRA income limits in its annual cost-of-living notice for retirement plans. The 2026 figures came in Notice 2025-67, released on November 13, 2025 (IRS news release IR-2025-111). Until then, the 2027 figures on this page are our projection; the published figures replace them here.
What sets these numbers?
They are set under IRC §408A(c)(3). Indexed to C-CPI-U. Phase-out start rounded down to the next lowest multiple of $1,000; the width of the phase-out range is fixed by statute ($15,000 single/HoH, $10,000 MFJ) and is not indexed. The 2026 figures are taken from the agency's own publication (IRS Notice 2025-67, as announced in IRS Newsroom, retrieved 2026-09-19).
What changed from 2026?
The table shows both years side by side so the change is readable directly. Where a row says unchanged, that is a statutory result, not an omission.
Related
Backdoor Roth calculator → 2027 IRA contribution limits → 2026 figures: Roth IRA income limits (official) →
Every figure here with its status and source: JSON. QuantCalc is calculation software, not tax advice.