Find out how much you can put into a Roth IRA this year. Enter your filing status, age and modified AGI to apply the IRS income phase-out, the age 50+ catch-up, the earned-income rule and any traditional IRA contributions.
Last updated:
You
years
50 or older adds the catch-up contribution.
$
AGI plus any deductible traditional IRA contribution and student loan interest, minus Roth conversion income.
Compensation & contributions
$
Wages, salary, tips, net self-employment income. Joint filers may count both spouses' pay (minus the spouse's IRA contributions).
$
They share the same annual limit.
$
Enter your values to see the result.
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How to use the Roth IRA Contribution Limit Calculator
Choose the contribution year. You can still contribute for the previous year until the April filing deadline.
Select your filing status and enter your age at the end of the year.
Enter your modified AGI for Roth purposes and your taxable compensation.
Add any traditional IRA contributions and Roth contributions already made this year.
Press Calculate limit to see your maximum, the room left and how the phase-out was applied.
Roth IRA income phase-out ranges
Filing status
2026 MAGI range
2025 MAGI range
Single, head of household, MFS lived apart
$153,000 – $168,000
$150,000 – $165,000
Married filing jointly, qualifying surviving spouse
$242,000 – $252,000
$236,000 – $246,000
Married filing separately, lived with spouse
$0 – $10,000
$0 – $10,000
Annual limit (under 50 / 50+)
$7,500 / $8,600
$7,000 / $8,000
Below the range you can contribute the full limit; at or above the top you cannot contribute directly. Sources: IRS Notice 2025-67 (2026) and Notice 2024-80 (2025).
The reduction formula step by step
Limit = $7,500 (2026), plus $1,100 if you are 50 or older.
Reduced limit = limit × (top of range − MAGI) ÷ width of range.
Round up to the next multiple of $10. If the result is between $0 and $200, use $200.
Cap it at the limit minus any traditional IRA contributions, and at your taxable compensation.
Example (2026, married filing jointly, age 45, MAGI $245,000): $7,500 × ($252,000 − $245,000) ÷ $10,000 = $5,250. They can each put up to $5,250 into a Roth IRA if their combined compensation covers it.
Tips for getting the most from your Roth
Lower your MAGI with pre-tax 401(k) or HSA contributions if you are just inside the phase-out; every dollar moved can raise the Roth amount you are allowed.
Contribute early in the year so the money has more time to grow tax-free, or wait until you know your income if you might land in the phase-out.
Use the deadline. Contributions for a tax year are accepted until the filing deadline in April of the next year; tell your provider which year the deposit is for.
A Roth 401(k) has no income limit and a much higher contribution limit, so it is another route for high earners.
Frequently asked questions
What is the Roth IRA contribution limit for 2026?
$7,500, or $8,600 if you are 50 or older by the end of the year (the catch-up rose to $1,100 under inflation indexing). For 2025 the limit is $7,000, or $8,000 with the $1,000 catch-up. The limit is shared between all of your traditional and Roth IRAs.
What are the 2026 Roth IRA income limits?
The contribution phases out between $153,000 and $168,000 of modified AGI for single and head of household filers, between $242,000 and $252,000 for married filing jointly, and between $0 and $10,000 for married filing separately if you lived with your spouse. For 2025 the ranges are $150,000–$165,000 and $236,000–$246,000.
How is a reduced Roth IRA contribution calculated?
Multiply your limit by (top of the range − your MAGI) ÷ the width of the range ($15,000 for single, $10,000 for joint and separate filers). Round the result up to the next $10, and if it is above $0 but under $200, you may contribute $200. For example, a single 35-year-old with $160,000 MAGI in 2026 gets $7,500 × 8,000 ÷ 15,000 = $4,000.
What counts as modified AGI for a Roth IRA?
Start with the AGI on your Form 1040, add back any deduction you took for traditional IRA contributions, student loan interest, the foreign earned income or housing exclusion, excluded savings bond interest and employer adoption benefits, and subtract any income from converting a traditional IRA to a Roth.
Can I contribute if I have no job?
Only if you have taxable compensation. Your contribution cannot exceed what you earned from wages, salary, tips or self-employment. A non-working spouse can still contribute through a spousal IRA when you file jointly, using the working spouse's compensation.
What if my income is too high?
You cannot contribute directly once MAGI reaches the top of the range. Many people instead make a nondeductible traditional IRA contribution and convert it to a Roth (a "backdoor Roth"). Watch the pro-rata rule if you already hold pre-tax IRA money.
What happens if I contribute too much?
Excess contributions are charged a 6% excise tax for every year they stay in the account. Withdraw the excess plus its earnings, or recharacterize it as a traditional IRA contribution, before your tax filing deadline (including extensions) to avoid the penalty.
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