2026 Roth IRA limits
| Rule | 2026 amount |
|---|
| Contribution limit (under 50) | $7,500 |
| Contribution limit (50+) | $8,600 |
| Phase-out, single | $153,000 – $168,000 MAGI |
| Phase-out, married filing jointly | $242,000 – $252,000 MAGI |
Source: IRS 2026 limit announcement. The calculator keeps contributions at 2026 limits for every year.
Example
Contributing $7,500 at the start of every year from age 30 to 60 at a 7% return builds about $758,000, of which $225,000 is your money and the rest is growth you never pay tax on in retirement.
Roth vs traditional IRA
- Roth: no tax break today; tax-free withdrawals later. Good if you expect a similar or higher tax rate in retirement.
- Traditional: possible tax deduction today; withdrawals are taxed later. Good if you expect a lower rate in retirement.
- Many people split contributions between both to spread their tax risk.
Have a workplace plan too? Project it with the 401(k) calculator.
Last reviewed October 2026.
Frequently asked questions
How much can I put in a Roth IRA in 2026?
The 2026 IRA limit is $7,500, or $8,600 if you are 50 or older (including the $1,100 catch-up). The limit is shared across all your traditional and Roth IRAs, and you need earned income at least equal to what you contribute.
What are the Roth IRA income limits for 2026?
Your allowed contribution phases out between $153,000 and $168,000 of modified adjusted gross income for single filers, and between $242,000 and $252,000 for married couples filing jointly. Above the top of the range you cannot contribute directly.
Why choose a Roth IRA?
You contribute money you have already paid tax on, and qualified withdrawals in retirement, including all the growth, are tax-free. That is especially valuable if you expect to be in a higher tax bracket later, or simply want tax-free income in retirement.
Can I withdraw from a Roth IRA early?
You can withdraw your contributions at any time without tax or penalty. Earnings are tax-free and penalty-free after age 59½ once the account has been open at least five years, with some exceptions such as a first-time home purchase.
How does the tax savings figure work?
It compares the Roth with investing the same amount in a regular taxable account, where the growth would be taxed when you sell. The calculator applies your chosen tax rate to the taxable account's gains as a simple estimate.