IRS announces Roth IRA income limits for 2026
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The IRS announced Roth individual retirement account contribution and income limits for 2026.
in it release On Thursday, the agency increased the 2026 IRA contribution limit to $7,500, up from $7,000 in 2025. The IRS also increased IRA catch-up contributions for investors ages 50 and older to $1,100 in 2025, up from $1,000.
These annual limits apply to contributions to traditional and Roth IRAs.
Income thresholds for taxpayers contributing to Roth also increased.
Roth IRA income phases out in 2026
To contribute up to the limit in a Roth IRA, your modified adjusted gross income, or MAGI, must be below a certain threshold that changes for 2026:
The income phase-in range for taxpayers contributing to a Roth IRA increased to $153,000 to $168,000 for single or head of household filing status. That’s between $150,000 and $165,000 in 2025. These taxpayers can make partial Roth contributions.
Taxpayers using any of these filing statuses can make full Roth contributions if their MAGI is less than $153,000. If their MAGI is over $168,000, they cannot contribute to a Roth at all.
For married couples filing jointly, the income phase-out range increased from $236,000 to $246,000 for 2025 to $242,000 to $252,000. These taxpayers can make partial Roth contributions.
Married couples filing jointly can make full Roth contributions if their MAGI is less than $242,000. If their MAGI is over $252,000, they cannot contribute to a Roth at all.
According to the IRS, the marriage filing phase-out range is not subject to annual cost-of-living adjustments and remains between $0 and $10,000.
