Roth IRA Contribution Limit Calculator (2026)
See how much you can put in a Roth IRA this year once the income phase-out is applied for your filing status.
How it's calculated
You can only contribute directly to a Roth IRA if your income is below a limit, and the limit phases out over a range. Under the bottom of the range you can put in the full amount. Above the top you cannot contribute directly at all. In between, your allowed contribution shrinks as your income rises.
Take the default. A single filer in 2026 with a modified adjusted gross income of $160,000. The phase-out runs from $153,000 to $168,000, and $160,000 sits about halfway up. So instead of the full $7,500, you can contribute $4,000, with $3,500 phased out. At $168,000 or above, the direct Roth contribution would be zero.
If your income is too high, the backdoor Roth is a common workaround, contributing to a Traditional IRA and converting it to Roth. Watch the pro-rata rule if you have other pre-tax IRA money. The married filing jointly range is $242,000 to $252,000 for 2026, and married filing separately phases out over just $0 to $10,000, which effectively blocks most separate filers.
Assumptions
- Uses the 2026 Roth IRA MAGI phase-out ranges and the $7,500 base limit, plus a $1,100 catch-up at age 50 and over. — IRS Notice 2025-67
- The reduced amount is rounded up to the nearest $10 with a $200 floor while eligible, per IRS rules. It does not check that you have enough earned income.
Last updated: 2026-08-08 · Tax year 2026
These assumptions follow our general methodology.
Frequently asked questions
What is the Roth IRA income limit for 2026?
The direct contribution phases out between $153,000 and $168,000 of MAGI for single filers, and between $242,000 and $252,000 for married couples filing jointly. Below the range you can contribute the full $7,500, or $8,600 if you are 50 or older. Above it, you cannot contribute directly.
What is MAGI?
Modified adjusted gross income, which is your adjusted gross income with a few deductions added back. For most people it is close to their AGI. It is the figure the IRS uses to decide your Roth eligibility.
What if I earn too much for a Roth IRA?
You can use the backdoor Roth, contributing to a Traditional IRA with no deduction and converting it to Roth. It sidesteps the income limit, but the pro-rata rule can create a tax bill if you hold other pre-tax IRA money, so check that first.
Does a 401(k) have the same income limit?
No. A Roth 401(k) has no income limit, so high earners can contribute there directly. Only the Roth IRA has this MAGI phase-out. The Traditional vs Roth 401(k) calculator compares the workplace options.