Roth IRA Contribution Limits for 2026: How Much You Can Invest

2026 Roth IRA contribution limits

The IRS increased IRA and Roth IRA contribution caps for 2026. These limits apply across all your IRAs combined (traditional + Roth).​

• Under age 50: maximum Roth IRA contribution is 7,500 dollars for 2026.​
• Age 50 or older: you can contribute up to 8,600 dollars thanks to the 1,100 dollar catch‑up limit.​

You cannot contribute 7,500 dollars to a traditional IRA and another 7,500 dollars to a Roth IRA; 7,500 dollars is the total combined cap if you are under 50.​

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Roth IRA MAGI limits and income phase‑outs (2026)

Whether you can make a full Roth contribution depends on your modified adjusted gross income (MAGI) and filing status. These are the official 2026 Roth IRA MAGI limits and phase‑out ranges.​

Roth IRA income limits for 2026

Roth IRA Income Limit for 2026 – by filing status​

Filing status	2026 MAGI	Allowed Roth IRA contribution
Single / Head of household	Less than 153,000 dollars	Full contribution (up to 7,500 dollars; 8,600 dollars if 50+) ​
Single / Head of household	153,000–<168,000 dollars	Reduced (partial) contribution only ​
Single / Head of household	168,000 dollars or more	Not eligible to contribute to a Roth IRA ​
Married filing jointly / qualifying widow(er)	Less than 242,000 dollars	Full contribution (up to 7,500 dollars; 8,600 dollars if 50+) ​
Married filing jointly / qualifying widow(er)	242,000–<252,000 dollars	Reduced (partial) contribution only ​
Married filing jointly / qualifying widow(er)	252,000 dollars or more	Not eligible to contribute to a Roth IRA ​
Married filing separately (lived with spouse)	More than 0–<10,000 dollars	Reduced (partial) contribution only ​
Married filing separately (lived with spouse)	10,000 dollars or more	Not eligible to contribute to a Roth IRA ​

If your MAGI falls in a phase‑out band, you must calculate a reduced maximum contribution using the formula in IRS Publication 590‑A or an online Roth calculator.​

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Other Roth IRA limitations and key rules

Roth IRAs also have qualitative rules beyond the dollar caps.​

• You must have earned income (such as wages or self‑employment income); you cannot fund a Roth only from investment gains or rental income.​
• Total contributions across all IRAs cannot exceed the smaller of the annual limit or your taxable compensation for the year.​
• Contributions are not tax‑deductible, but qualified withdrawals in retirement are tax‑free if you meet age and five‑year holding requirements.​
• High earners above the Roth IRA Income Limit for 2026 may still use a “backdoor Roth” strategy by contributing to a traditional IRA and converting, subject to pro‑rata tax rules.​​

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How to use these 2026 limits in your planning

Using the 2026 limits well means aligning your contributions with both your current income and long‑term tax strategy.​

• If your MAGI is comfortably below the phase‑out thresholds, aim for the full Roth IRA Contribution Limit for 2026 to maximize future tax‑free growth.​
• If you are near a Roth IRA MAGI limit, consider deferring income, increasing pre‑tax retirement contributions, or coordinating with a tax professional to stay Roth‑eligible.​
• If you are above the income caps, evaluate whether traditional IRA contributions, employer plans, or Roth conversions fit better into your overall retirement design.