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The IRS has unveiled the Roth individual retirement account contribution and income limits for 2026.
In its release on Thursday, the agency increased the 2026 IRA contribution limit to $7,500, up from $7,000 in 2025. The IRS also boosted the IRA catch-up contributions for investors age 50 and older to $1,100, up from $1,000 in 2025.
Those annual limits apply to contributions to traditional and Roth IRAs.
Income thresholds for taxpayers making Roth contributions also increased.
Roth IRA income phaseouts for 2026
To contribute up to the limit in a Roth IRA, your modified adjusted gross income, or MAGI, must be below a certain threshold, which changed for 2026:
The income phaseout range for taxpayers making contributions to a Roth IRA increased to between $153,000 and $168,000 for single or head of household filing status. That’s up from between $150,000 and $165,000 in 2025. Those taxpayers can make partial Roth contributions.
Taxpayers using either of those filing statuses can make a full Roth contribution if their MAGI is under $153,000. They cannot contribute to a Roth at all if their MAGI is above $168,000.
For married couples filing jointly, the income phase-out range increased to between $242,000 and $252,000, up from between $236,000 and $246,000 for 2025. Those taxpayers can make partial Roth contributions.
Married couples filing jointly can make a full Roth contribution if their MAGI is under $242,000. They cannot contribute to a Roth at all if their MAGI is above $252,000.
The phaseout range for married filing separately is not subject to an annual cost-of-living adjustment, according to the IRS, and remains between $0 and $10,000.
