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 $158,000 – $173,000; 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 | $158,000 – $173,000 | 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.
Can you deduct it, how much can go in a Roth, and what it saves (2027)
Publication 590-A’s two worksheets, line by line, on your income: the deductible part of a traditional IRA contribution (Worksheet 1-2) and your Roth IRA limit (Worksheet 2-2). The tax engine then figures your 2027 return with and without the deduction.
Show the worksheet arithmetic
The 2027 projected limits used here: $7,500 per person ($8,600 at 50 or older), shared by all your traditional and Roth IRAs and capped at your taxable compensation; on a joint return a spouse with lower pay can count the other spouse’s pay, less that spouse’s own IRA contributions. Deduction ranges if you are covered at work: $83,000–$93,000 single or head of household, $133,000–$153,000 married filing jointly; not covered but your spouse is: $249,000–$259,000; married filing separately: $0–$10,000. Roth ranges: $158,000–$173,000 single or head of household, $249,000–$259,000 married filing jointly, $0–$10,000 married filing separately. Source: IRS Notice 2025-67 (the 2026 figures; the 2027 projections index the statutory base amounts); worksheets: IRS Publication 590-A. Inside a range the amount is rounded up to the next $10 and is at least $200.
MAGI, when you leave it blank, is the engine’s adjusted gross income for the income entered, before any IRA deduction; add back student loan interest, excluded foreign income and the other items on Pub. 590-A’s MAGI worksheets yourself (and, for the Roth worksheet, leave out Roth-conversion income) by typing your MAGI. 2027 federal tax is the tax engine’s projection of the law as written, its dollar amounts indexed at the September 2025 to August 2026 chained-CPI window (+3.06% year on year) (until the official 2027 brackets replace it); the state line uses each state’s 2026 rules, the latest the state engine has. The standard deduction; the deduction comes off your wages for income tax only, so Social Security and Medicare tax do not change, and the earned income credit is held at its value before the deduction. The saver’s credit is not figured. State treatment: New Jersey, Pennsylvania and Massachusetts allow no IRA deduction and get no state saving here; every other state is treated as following the federal deduction, and city or county income taxes are not included.
See what converting traditional IRA money to Roth does to your tax in the Roth Conversion Planner → It figures a conversion year by year against your tax brackets, Medicare surcharges and state tax.
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. IRC §408A(c)(3)(D): the statutory applicable dollar amounts ($150,000 joint, $95,000 single/HoH) are indexed from calendar year 2005 under the §1(f)(3) cost-of-living adjustment, the increase rounded to the NEAREST multiple of $1,000 — computed from the 2005 base each year, not from the prior year's rounded figure. 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, IRC §408A(c)(3)(D): the statutory applicable dollar amounts ($150,000 joint, $95,000 single/HoH) are indexed from calendar year 2005 under the §1(f)(3) cost-of-living adjustment, the increase rounded to the NEAREST multiple of $1,000 — computed from the 2005 base each year, not from the prior year's rounded figure. The width of the phase-out range is fixed by statute ($15,000 single/HoH, $10,000 MFJ) and is not indexed. — to the statute's own base-year amount, rounded once, not by growing the rounded 2026 figure; chained-CPI amounts use the September 2025 to August 2026 C-CPI-U window (+3.06% year on year). 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. IRC §408A(c)(3)(D): the statutory applicable dollar amounts ($150,000 joint, $95,000 single/HoH) are indexed from calendar year 2005 under the §1(f)(3) cost-of-living adjustment, the increase rounded to the NEAREST multiple of $1,000 — computed from the 2005 base each year, not from the prior year's rounded figure. 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.