Roth IRA Contribution Limits for 2026
- Individuals under age 50:
$7,500 (up from $7,000 in 2025) - Individuals age 50 or older:
$8,600 (includes a catch-up contribution of $1,100, up from $1,000 in 2025)
These limits apply to the combined total of all your traditional and Roth IRA contributions for the year.
Income Phaseout Ranges for 2026
- Single / Head of Household:
- Full contribution if MAGI < $153,000
- Phaseout range: $153,000 – $168,000
- No contribution if MAGI ≥ $168,000
- Married Filing Jointly:
- Full contribution if MAGI < $242,000
- Phaseout range: $242,000 – $252,000
- No contribution if MAGI ≥ $252,000
401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500 | Internal Revenue Service
