How much can I put in a Roth IRA for 2026?

The 2026 IRA limit is $7,500, or $8,600 if you are 50 or older. It is one limit shared across all of your traditional and Roth IRAs, and you can't put in more than your taxable compensation for the year. Your income can lower it further.

What are the 2026 Roth IRA income limits?

The amount you can put in a Roth IRA phases out between $153,000 and $168,000 of modified adjusted gross income (MAGI) for single and head of household filers, $242,000 to $252,000 for married filing jointly, and $0 to $10,000 for married filing separately if you lived with your spouse. Below the range you get the full limit. At the top of the range or above, you may not be able to contribute directly.

How does the calculator estimate a reduced limit?

Inside the phase-out range it follows the reduction method in IRS Publication 590-A. It takes the part of the range your MAGI covers, removes that share of the limit, and rounds the result up to the next $10. If that leaves more than $0 but less than $200, the limit is $200. It is an estimate, so confirm it with the worksheet in Publication 590-A.

When can I make contributions for tax year 2026?

Contributions for tax year 2026 can be made until the 2027 filing deadline. When you deposit, check that your provider counts the money toward the tax year you mean.

What if my filing status isn't listed?

This calculator covers single, head of household, married filing jointly, and married filing separately when you lived with your spouse. For any other situation, such as a qualifying surviving spouse or married filing separately and living apart all year, check IRS Publication 590-A or a licensed tax professional.

Can I Max My Roth? 2026 Roth IRA Contribution Calculator

Can I max my Roth?

An education tool for tax year 2026, not tax or investment advice. Contributions for tax year 2026 can be made until the 2027 filing deadline.

Filing status for 2026

Qualifying surviving spouse, or married filing separately and lived apart all year? This calculator doesn't cover those. Check IRS Publication 590-A or a licensed tax professional.

Age at the end of 2026

At 50 or older, the limit is $8,600 instead of $7,500.

Modified adjusted gross income (MAGI)

Your modified adjusted gross income for 2026. Publication 590-A shows how to figure it.

Taxable compensation (earned income)

Wages, salary, tips, or self-employment income that counts as taxable compensation.

Already put in any IRA for 2026

Traditional and Roth IRAs share one limit, so count money in both.

You could max it

$7,500

Your MAGI is below the $153,000 to $168,000 phase-out range for your filing status, so the full $7,500 limit applies.

Education only, not tax or investment advice. Rules have exceptions, so for anything complex, check with a licensed tax professional.

How this number was figured

IRA limit for 2026 at age 30: $7,500
Phase-out range for Single / head of household: $153,000 to $168,000
Limit after the income rules: $7,500
Already put in any IRA: $0
Room left: $7,500

Figures as of October 2026 from the IRS: 2026 limits announcement and IRA contribution limits. Inside the phase-out range, the reduced limit follows the method in Publication 590-A.

Put the room to work

The 4 Money Types are Spender, Saver, Scrambler, and Strategist. If you're a Saver, the hard part usually isn't finding the money. It's moving it out of cash once it lands, so it can grow. If you're a Strategist, you likely have a working plan already, and filling this room each year is one way to scale it.

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Your next step

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How It Works

01
Pick your filing status and enter your age at the end of 2026.
02
Add your modified adjusted gross income (MAGI), your earned income, and anything you already put in an IRA for 2026.
03
See whether you could max it, how much room is left, or whether you may not be eligible to contribute directly.

The 4 Money Types

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Common questions

: The 2026 IRA limit is $7,500, or $8,600 if you are 50 or older. It is one limit shared across all of your traditional and Roth IRAs, and you can't put in more than your taxable compensation for the year. Your income can lower it further.
: The amount you can put in a Roth IRA phases out between $153,000 and $168,000 of modified adjusted gross income (MAGI) for single and head of household filers, $242,000 to $252,000 for married filing jointly, and $0 to $10,000 for married filing separately if you lived with your spouse. Below the range you get the full limit. At the top of the range or above, you may not be able to contribute directly.
: Inside the phase-out range it follows the reduction method in IRS Publication 590-A. It takes the part of the range your MAGI covers, removes that share of the limit, and rounds the result up to the next $10. If that leaves more than $0 but less than $200, the limit is $200. It is an estimate, so confirm it with the worksheet in Publication 590-A.
: Contributions for tax year 2026 can be made until the 2027 filing deadline. When you deposit, check that your provider counts the money toward the tax year you mean.
: This calculator covers single, head of household, married filing jointly, and married filing separately when you lived with your spouse. For any other situation, such as a qualifying surviving spouse or married filing separately and living apart all year, check IRS Publication 590-A or a licensed tax professional.

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Can I Max My Roth? Roth IRA Contribution Calculator