Contribution Limits
| Age Group | Max Contribution |
|---|---|
| Under age 50 | $7,500 |
| Age 50 and older | $8,600 (includes $1,100 catch-up) |
Income Phase-Out Ranges (MAGI)
| Filing Status | Full Contribution | Phase-Out Range | No Contribution |
|---|---|---|---|
| Single / HoH or MFS who lived apart all year | Under $153,000 | $153,000 to under $168,000 | $168,000 or more |
| Married Filing Jointly or Qualifying Surviving Spouse | Under $242,000 | $242,000 to under $252,000 | $252,000 or more |
| Married Filing Separately and lived with spouse during the year | $0 MAGI or less | Above $0 and under $10,000 | $10,000 or more |
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Earned Income Requirement: You must have earned income (wages, salary, self-employment) at least equal to your contribution amount. Investment income, Social Security, and pensions do not count.
Contribution Deadline: You have until April 15, 2027 to make contributions for the 2026 tax year.
Backdoor Roth: If you cannot make a direct Roth contribution, you may be able to contribute to a traditional IRA and then convert funds to a Roth IRA. A conversion is separate from a direct contribution and may be taxable.
Source: IRS Notice 2025-67 (2026 IRA limit, catch-up amount, and Roth MAGI phase-out ranges). See IRS Publication 590-A for filing status, compensation and conversion rules.
Frequently Asked Questions
What is the 2026 Roth IRA contribution limit?
The 2026 IRA contribution cap is $7,500, or $8,600 if you are 50 or older. That cap is shared across traditional and Roth IRAs and is subject to eligible compensation. Income limits can further reduce the amount you may contribute directly to a Roth IRA.
What is the income limit for Roth IRA in 2026?
For single filers and heads of household, direct Roth contributions phase out starting at $153,000 MAGI and are unavailable at $168,000 or more. For joint filers and qualifying surviving spouses, the thresholds are $242,000 and $252,000. Married separate filers who lived with their spouse during the year cannot contribute directly at $10,000 or more. Those who lived apart all year use the single thresholds.
How this page is reviewed
See methodology, assumptions & sources
| Risk tier | YMYL |
|---|---|
| Author | Calculover Editorial Team Finance and legal education |
| Editorial owner | Calculover Investing & Retirement Desk Investment planning methodology owner |
| Reviewer | Calculover Editorial Review Source and limitation review |
| Last reviewed | 2026-11-06 |
| Last verified | 2026-11-06 |
| Data effective date | 2026-01-01 |
Methodology
This page summarizes source-linked 2026 tax, retirement or benefit rules. Figures and examples use the year and assumptions stated in their tables; they do not determine a reader's complete individual outcome.
Assumptions
- Use the tax year or coverage year stated beside each amount; filing-year and source-publication dates may differ.
- Eligibility, filing status, exceptions and special circumstances must be checked against the linked official source.
Limitations
- 2026 Roth IRA Contribution Limits & Income Phase-Outs does not provide investment, tax, Social Security, ERISA, or fiduciary advice and does not guarantee future balances or income.
- Market volatility, inflation, contribution limits, plan rules, taxes, fees, and withdrawal timing can materially change retirement outcomes.
Sources
- 401(k) and Profit-Sharing Plan Contribution Limits, Internal Revenue Service
- IRA Contribution Limits, Internal Revenue Service
- Retirement Planner, Social Security Administration
Professional guidance: 2026 Roth IRA Contribution Limits & Income Phase-Outs is for retirement education only and is not investment, tax, legal, ERISA, or fiduciary advice. Review decisions with a qualified financial, tax, or plan professional.