Roth IRA contribution calculator
The Roth IRA limit shrinks as your income rises and disappears above a certain level. Enter your modified AGI and filing status to see your personal limit for 2026.
How it's calculated
- The base limit is $7,500, plus $1,100 if you are 50 or older, but never more than your taxable compensation.
- Single filers and heads of household get the full limit up to $153,000 of MAGI and nothing from $168,000. On a joint return the range is $242,000 to $252,000.
- Inside the range, the limit drops in proportion to how far into the range you are. The result rounds up to the next $10, and anything between zero and $200 becomes $200.
An example
A single filer age 35 with $160,000 of MAGI is $7,000 into the $15,000 phase-out range. The limit falls by 46.7%, from $7,500 to $4,000.
Frequently asked questions
What is the Roth IRA limit for 2026?
$7,500, plus a $1,100 catch-up if you are 50 or older. The same limit is shared with any traditional IRA.
What if my income is too high?
You can still make a nondeductible contribution to a traditional IRA. Many people then convert it to a Roth IRA, a strategy known as a backdoor Roth. Talk to a tax professional first if you have other pre-tax IRA money.
Until when can I contribute for 2026?
Until the tax filing deadline in April 2027, not counting extensions.
Key terms
- Roth IRA
- A retirement account funded with after-tax money. Qualified withdrawals in retirement are tax free.
- Modified AGI
- Your AGI with some items added back and any Roth conversion income left out.
Up-to-date official data
Data checked against the official source on .
We check the official sources automatically, every day.
- IRSNotice 2025-67, 2026 limitations for retirement plans and IRAs
- IRSPublication 590-A, Worksheet 2-2 (reduced Roth IRA contribution limit)