Under age 50
$7,500
Combined across all traditional and Roth IRAs for 2026 (or your taxable compensation, if less).
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2026 IRA & Roth IRA contribution limits
Annual contribution caps for traditional IRAs and Roth IRAs. Limits are set by the IRS and can change each year. Educational only — not tax advice.
Age 50 or older
$8,600
Includes the $1,100 catch-up contribution for 2026.
Roth IRA income phase-outs (2026)
Even if you are under the dollar cap, Roth contributions can phase out based on modified AGI and filing status:
- Single / head of household: phase-out between $153,000 and $168,000
- Married filing jointly: phase-out between $242,000 and $252,000
- Married filing separately: phase-out between $0 and $10,000
Source: IRS Notice 2025-67 / IRS newsroom (2026 COLA limits). Public broker summaries (including Schwab’s Roth IRA contribution limits) track the same IRS caps. Confirm eligibility with your tax professional before contributing.