2026 Roth IRA limits
You can contribute up to $7,500 in 2026, or $8,600 if you're 50 or older, but no more than your earned income. The limit is shared with any traditional IRA contributions.
| Filing status | Full contribution if MAGI is under | No direct contribution at or above |
|---|---|---|
| Single or head of household | $153,000 | $168,000 |
| Married filing jointly | $242,000 | $252,000 |
Example: a single filer earning $160,000 is partway through the $153,000–$168,000 range, so the limit is $7,500 × 8,000 ÷ 15,000 = $4,000. A 30-year-old who puts in $7,500 a year until 65 at 7% would have about $1,064,419, all tax-free, from $279,000 of contributions, including the extra $1,100 a year from age 50.
Roth IRA rules worth knowing
- Contributions (not earnings) can be withdrawn any time, tax- and penalty-free.
- Earnings come out tax-free after age 59½ once the account has been open five years.
- No required minimum distributions during your lifetime.
- Over the income limit? A "backdoor Roth" (a nondeductible traditional IRA contribution converted to Roth) is a common workaround; watch the pro-rata rule if you have other pre-tax IRA money.
Unsure whether Roth or traditional suits you? Try the Roth vs traditional calculator.
Frequently asked questions
What is the Roth IRA limit for 2026?
$7,500, or $8,600 if you're 50 or older, reduced at higher incomes.
What is the Roth IRA income limit for 2026?
The limit phases out between $153,000 and $168,000 of MAGI for single filers, and $242,000 to $252,000 for married couples filing jointly.
When is the deadline for Roth IRA contributions?
The tax filing deadline of the following year, usually April 15, without extensions.
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