IRA Contribution Limits Guide (2026) - Traditional & Roth Limits
2026 IRA contribution limits: Traditional IRA, Roth IRA, income limits, and deduction eligibility.
Summary
IRA contribution limits for 2026: $7,000 limit, $8,000 for age 50+. Roth income limits phase out at $146K-$161K single, $230K-$240K married.
Key Steps
- 1Contribution limit: $7,000 for 2026 (unchanged).
- 2Catch-up: additional $1,000 for age 50+, total $8,000.
- 3Traditional IRA: full deduction if no workplace plan, partial with workplace plan based on income.
- 4Roth IRA: income limits phase out at $146K-$161K single, $230K-$240K married filing jointly.
- 5Backdoor Roth: contribute to Traditional IRA, then convert if income exceeds Roth limits.