What is the Roth IRA contribution limit for 2026?

For 2026, the Roth IRA contribution limit is $7,000 per person, or $8,000 if you are age 50 or older. These limits apply to the combined total of your Roth IRA and Traditional IRA contributions. The calculator above shows your exact limit based on your income.

How does income affect Roth IRA contributions?

Roth IRA contributions phase out at higher income levels. For 2026, single filers with MAGI between $150,000 and $165,000 see reduced contributions, which reach $0 at $165,000. Married couples filing jointly have a phase-out range of $236,000 to $246,000. Married filing separately has almost no room — the phase-out starts at $0 and ends at $10,000.

What is MAGI and how is it different from gross income?

MAGI (Modified Adjusted Gross Income) starts with your Adjusted Gross Income (AGI) and adds back certain deductions. For Roth IRA purposes, this typically includes traditional IRA deductions, student loan interest, tuition and fees deductions, and foreign earned income exclusions. Your MAGI is usually higher than your AGI but lower than your gross income.

Can I contribute to both a Roth IRA and a 401k?

Yes. Roth IRA and 401k are separate account types with separate contribution limits. In 2026, you can contribute up to $7,000 ($8,000 if 50+) to a Roth IRA and up to $23,500 ($31,000 if 50+) to a 401k. Having a 401k at work does not reduce your Roth IRA contribution, though high income may trigger the Roth IRA phase-out.

What is a backdoor Roth IRA?

A backdoor Roth IRA is a strategy for high-income earners who exceed the direct contribution limit. You contribute to a Traditional IRA (non-deductible) and then convert it to a Roth IRA. The conversion is typically tax-free if you have no other pre-tax IRA balances. This strategy has specific tax implications — consult a tax professional before proceeding.

Does the Roth IRA phase-out apply per person or per couple?

The phase-out applies based on your filing status and combined MAGI. For married couples filing jointly, the phase-out range ($236,000–$246,000) applies to your combined income. Each spouse can contribute to their own Roth IRA, but both are subject to the same income limits. For married filing separately, the phase-out range is $0–$10,000, making direct Roth IRA contributions nearly impossible.

What happens if I contribute too much to my Roth IRA?

If you contribute more than your eligible amount, the excess contribution is subject to a 6% excise tax each year it remains in the account. To avoid the penalty, you must withdraw the excess contribution (plus any earnings on it) before your tax filing deadline, including extensions. The calculator helps you avoid this by showing your exact eligible amount.

When is the deadline to contribute to a Roth IRA for 2026?

The deadline to contribute to a Roth IRA for the 2026 tax year is April 15, 2027 (or the next business day if it falls on a weekend or holiday). You can make contributions for the previous year up until you file your tax return, as long as it is before the April deadline. This means you can contribute for 2025 until April 15, 2026.

Roth IRA Contribution Calculator

Find your exact 2026 Roth IRA contribution limit based on your income and filing status

Your Information

Enter your income and filing status to find your Roth IRA contribution limit

Filing Status

Your Age

Modified AGI (MAGI)$120,000

Tax Year

Tip: If your MAGI exceeds the Roth IRA limit, you may still be able to contribute through a "backdoor Roth IRA" strategy. Consult a tax professional for details.

Your Roth IRA Limit

Your income is below the phase-out threshold. You can contribute the full amount.

Status

Full Contribution

You Can Contribute

$7,000

out of $7,000 maximum

Contribution Breakdown

Base Limit$7,000

Maximum Contribution$7,000

Your Eligible Amount$7,000

Income Phase-Out Range

$150,000Phase-out range$165,000

Your MAGI is below the phase-out threshold

What Is a Roth IRA?

A Roth IRA is an individual retirement account where you contribute after-tax dollars and your money grows tax-free. Unlike a Traditional IRA, qualified withdrawals in retirement cost zero taxes — on contributions and earnings alike.

The catch: not everyone can contribute the full amount. The IRS limits how much you can put in based on your income (MAGI) and tax filing status. For 2026, the maximum contribution is $7,000 ($8,000 if you are 50 or older), but high-income earners may qualify for less — or nothing at all.

2026 Roth IRA Contribution Limits

Under Age 50

Base limit$7,000

Catch-upN/A

Total$7,000/year

Age 50 or Older

Base limit$7,000

Catch-up+$1,000

Total$8,000/year

Income Phase-Out Rules for 2026

Your Roth IRA contribution is reduced when your MAGI falls within the phase-out range. The reduction is proportional — the closer your income is to the upper limit, the less you can contribute. Once your MAGI exceeds the upper threshold, direct Roth IRA contributions are not allowed.

Filing Status	Phase-Out Start	Phase-Out End
Single	$150,000	$165,000
Married Filing Jointly	$236,000	$246,000
Married Filing Separately	$0	$10,000

The IRS rounds your eligible contribution down to the nearest $10. For example, if your calculated reduction brings your eligible amount to $3,747, you can contribute $3,740.

What If Your Income Is Too High?

Backdoor Roth IRA

If your MAGI exceeds the limit, you can contribute to a Traditional IRA (non-deductible) and convert it to a Roth IRA. This two-step process effectively bypasses the income limit. Be aware of the pro-rata rule if you have existing pre-tax IRA balances.

Roth 401k Alternative

Unlike Roth IRAs, Roth 401k accounts have no income limits. If your employer offers a Roth 401k option, you can contribute up to $23,500 ($31,000 if 50+) regardless of your income. Use our Roth vs 401k Calculator to compare options.

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