2027 Roth IRA Income Limits (MAGI Phase-Outs)
Projected 2027 modified-AGI phase-out ranges for direct Roth IRA contributions, by filing status.
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.
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.
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 →
Every figure here with its status and source: JSON. QuantCalc is calculation software, not tax advice.