Your 2026 Roth IRA limit from income and filing status, and tax-free growth to retirement
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 6 Oct 2026.For 2026 a Roth IRA takes up to $7,500, or $8,600 from age 50, but the limit shrinks as income rises: single filers lose it between $153,000 and $168,000 of modified AGI, joint filers between $242,000 and $252,000. A single filer with $160,000 can put in $4,000. Enter your income to see your own limit and the tax-free growth.
| Filing | MAGI | Roth limit, under 50 | Roth limit, 50 or over |
|---|---|---|---|
| Single | $150,000 | $7,500 | $8,600 |
| Single | $155,000 | $6,500 | $7,460 |
| Single | $160,000 | $4,000 | $4,590 |
| Single | $165,000 | $1,500 | $1,720 |
| Single | $168,000 | $0 | $0 |
| Married, joint | $240,000 | $7,500 | $8,600 |
| Married, joint | $244,000 | $6,000 | $6,880 |
| Married, joint | $248,000 | $3,000 | $3,440 |
| Married, joint | $252,000 | $0 | $0 |
2026 · Rates and rules read from the sources listed on this page (the earliest on 6 Oct 2026); they may have changed since.
Pick your filing status: single, married filing jointly or married filing separately.
Enter your modified AGI and your taxable pay for 2026.
Read your Roth limit: $7,500, or $8,600 at 50 or over, reduced inside the phase-out range.
Enter a contribution and a return to see the tax-free balance at retirement.
This calculator does two jobs. It works out how much you may put in a Roth IRA and how much of a traditional IRA contribution you may deduct for 2026, from your filing status, income and workplace-plan coverage. Then it grows the same contribution in each kind of IRA to retirement and compares what is left after tax.
The 2026 limits. IRS release IR-2025-111 sets the IRA limit at $7,500, plus a $1,100 catch-up from age 50. The Roth limit phases out between $153,000 and $168,000 of modified AGI for single and head-of-household filers, $242,000 to $252,000 for joint filers, and $0 to $10,000 for married people filing separately. The traditional deduction is limited only if you or your spouse are covered by a workplace plan: $81,000 to $91,000 single, $129,000 to $149,000 joint when you are covered, $242,000 to $252,000 when only your spouse is.
What it does not do. Later years keep the 2026 limit, the contribution is the same each year, and state tax, the saver's credit, required minimum distributions and early-withdrawal penalties are left out. Each column assumes the whole contribution goes to that kind of IRA. For moving money from a traditional IRA to a Roth, use the Roth Conversion Calculator.
The rest of the article, and all 6 questions about IRA Calculator, are on the IRA Calculator page.
The limit for 2026 is $7,500 across all your traditional and Roth IRAs together, up from $7,000 in 2025, under IRS release IR-2025-111. Savers aged 50 or over may add a $1,100 catch-up, for $8,600 in all. Contributions also cannot exceed your taxable pay for the year.
Single and head-of-household filers can contribute the full amount with modified AGI below $153,000, a reduced amount up to $168,000, and nothing above. Joint filers phase out between $242,000 and $252,000. Married people filing separately who lived together phase out between $0 and $10,000.
The answer turns on your tax rate now against your rate in retirement. With 22% both times, $7,500 a year for 30 years at 6% leaves the Roth $19,530.01 ahead, because the traditional side's invested tax saving is taxed again. At 32% now and 12% later, the traditional IRA comes out $52,198.53 ahead instead.
Anyone with taxable pay can still make a non-deductible traditional IRA contribution, whatever their income, and may then convert it to a Roth. That two-step route is called a backdoor Roth, and the pro-rata rule decides how much of a conversion is taxed. The Backdoor Roth Pro-Rata Calculator and Roth Conversion Calculator work through both.
Rates and rules change; check the source before you rely on a figure.
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