For 2026, the total contributions you make each year to all of your traditional IRAs and Roth IRAs can’t be more than:
- $7,500 ($8,600 if you’re age 50 or older), or
- If less, your taxable compensation for the year
2026 Roth IRA Income Eligibility (MAGI Phase-Out Ranges)
If your income is within these ranges, your maximum contribution is reduced (phased out):
- Single/Head of Household: Phase-out range begins at $153,000 and ends at $168,000. You cannot contribute directly if MAGI is $168,000.
- Married Filing Jointly: Phase-out range begins at $242,000 and ends at $252,000. You cannot contribute directly if MAGI is $252,000.
