Contribution Limits
| Age Group | Max Contribution |
|---|---|
| Under age 50 | $7,000 |
| Age 50 and older | $8,000 (includes $1,000 catch-up) |
Income Phase-Out Ranges (MAGI)
| Filing Status | Full Contribution | Phase-Out Range | No Contribution |
|---|---|---|---|
| Single / HoH | Under $150,000 | $150,000 – $165,000 | Over $165,000 |
| Married Filing Jointly | Under $236,000 | $236,000 – $246,000 | Over $246,000 |
| Married Filing Separately | N/A | $0 – $10,000 | Over $10,000 |
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Open Roth IRA Calculator →Key Rules
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 your income exceeds the phase-out limits, you may still contribute to a Roth IRA through a backdoor conversion (contribute to a Traditional IRA, then convert to Roth).
Frequently Asked Questions
What is the 2026 Roth IRA contribution limit?
The 2026 Roth IRA contribution limit is $7,000 for individuals under age 50, and $8,000 for those age 50 and older. The extra $1,000 is a catch-up contribution allowed by the IRS.
What is the income limit for Roth IRA in 2026?
For single filers, the full contribution is allowed with MAGI below $150,000. Between $150,000 and $165,000, the contribution is reduced. Above $165,000, direct contributions are not allowed.