The IRS has set the 2026 limits for Individual Retirement Accounts (IRAs). Here are the numbers from IRS Notice 2025-67.
The 2026 limits
- Under 50: $7,500
- Age 50 or older: $8,600 ($1,100 catch-up on top of the $7,500)
- Deadline to contribute for 2026: 15 April 2027
Roth IRA income limits 2026
- Single: $153,000–$168,000 phase-out range
- Married filing jointly: $242,000–$252,000 phase-out range
Traditional IRA deduction limits 2026 (covered by a workplace plan)
- Single: $81,000–$91,000 phase-out range
- Married filing jointly: $129,000–$149,000 phase-out range
This is general education, not financial advice. Check current IRS guidance before making decisions.
