Quick Answer: The 2026 Roth IRA contribution limit is $7,000 (under 50) or $8,000 (50+). Single filers with MAGI above $165,000 cannot contribute directly.
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 |
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.
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Reviewed methodology
How this page is reviewed
| Risk tier | YMYL |
|---|
| Author | Calculover Editorial Team Finance and legal education |
|---|
| Editorial owner | Calculover Investing & Retirement Desk Investment planning methodology owner |
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| Reviewer | Calculover Editorial Review Source and limitation review |
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| Last reviewed | 2026-05-10 |
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| Last verified | 2026-05-10 |
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| Data effective date | 2026-01-01 |
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Methodology
2026 Roth IRA Contribution Limits & Income Phase-Outs projects retirement balances, income, contribution limits, or withdrawal amounts from user-entered savings, return, inflation, age, and tax assumptions, using source-linked annual limits where relevant.
Assumptions
- 2026 Roth IRA Contribution Limits & Income Phase-Outs relies on the values the user enters and does not independently verify income, balances, legal status, policy terms, or market quotes.
- Return, inflation, contribution, withdrawal, tax, and benefit assumptions remain constant unless the user changes them.
- Employer plan rules, IRS limits, Social Security rules, market returns, and sequence-of-return risk can materially change outcomes.
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
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.