{
  "title": "2027 Roth IRA Income Limits (MAGI Phase-Outs)",
  "canonical": "https://quantcalc.app/roth-ira-income-limits-2027/",
  "base_year": 2026,
  "target_year": 2027,
  "license": "CC-BY-4.0",
  "date_modified": "2026-09-19",
  "projection_factor": 0.030600000000000002,
  "projection_factor_label": "+3.06%",
  "status_vocabulary": {
    "OFFICIAL": "Published by the responsible agency for 2027.",
    "PROJECTED": "A QuantCalc projection under the statutory indexing formula; the agency has not published a 2027 figure.",
    "UNCHANGED": "2027 equals 2026 as a matter of regulation or statute — nothing is being forecast.",
    "NOT YET ANNOUNCED": "No 2027 figure exists yet, from anyone, and this dataset does not invent one."
  },
  "family": {
    "statute": "IRC §408A(c)(3)",
    "index": "C-CPI-U",
    "rounding": "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.",
    "source": "https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500",
    "sourceLabel": "IRS Notice 2025-67, as announced in IRS Newsroom",
    "notProjected": null,
    "title": "Roth IRA contribution income limits"
  },
  "rows": [
    {
      "label": "Single / head of household",
      "scope": "",
      "v26": "$153,000 – $168,000",
      "v27": "$157,000 – $172,000",
      "status": "PROJECTED",
      "numeric": {
        "low26": 153000,
        "high26": 168000,
        "low27": 157000,
        "high27": 172000
      }
    },
    {
      "label": "Married filing jointly",
      "scope": "",
      "v26": "$242,000 – $252,000",
      "v27": "$249,000 – $259,000",
      "status": "PROJECTED",
      "numeric": {
        "low26": 242000,
        "high26": 252000,
        "low27": 249000,
        "high27": 259000
      }
    },
    {
      "label": "Married filing separately (lived with spouse)",
      "scope": "Not subject to an annual cost-of-living adjustment; fixed at $0-$10,000 by statute.",
      "v26": "$0 – $10,000",
      "v27": "$0 – $10,000",
      "status": "UNCHANGED",
      "numeric": {
        "low26": 0,
        "high26": 10000,
        "low27": 0,
        "high27": 10000
      }
    }
  ]
}