IRA & Roth IRA Contribution Limits (2025 & 2026)
The real IRS traditional and Roth IRA contribution limits for 2025 and 2026, side by side -- the combined-limit rule, the 50+ catch-up, and the Roth income phase-out ranges by filing status.
| 2025 | 2026 | |
|---|---|---|
| Contribution limit, under 50 | $7,000 | $7,500 |
| Catch-up contribution, age 50+ | +$1,000 | +$1,100 |
| Total limit, age 50+ | $8,000 | $8,600 |
One combined limit across every traditional and Roth IRA you own -- not per account. Sources: IRS Notice 2024-80 (https://www.irs.gov/pub/irs-drop/n-24-80.pdf) and IRS Notice 2025-67 (https://www.irs.gov/pub/irs-drop/n-25-67.pdf).
Why these limits matter
The IRA contribution limit is a per-person, per-year cap on how much you can put into your IRAs in total -- traditional and Roth combined, across every IRA you own, not a separate limit for each. It resets every January 1, but you don't lose access to a given year's limit the moment that calendar year ends: the IRS lets you fund a prior-year IRA up until that year's tax filing deadline, so a 2025 contribution can still be made in early 2026 as long as you tell your custodian it's for 2025, not 2026.
The limit didn't move between 2024 and 2025 -- the IRS's statutory cost-of-living formula simply didn't clear the next $500 rounding threshold that year -- then rose for 2026. Both figures are shown below exactly as published, not projected or estimated.
Roth income phase-out ranges, explained
A traditional IRA has no income limit on the contribution itself (only on whether it's tax- deductible, which depends on workplace-plan coverage -- not covered on this page). A Roth IRA is different: above a certain modified adjusted gross income (MAGI), your allowed Roth contribution shrinks, then disappears. The two tables below show that MAGI range for 2025 and 2026, by filing status -- below the floor, the full limit above applies; above the ceiling, $0.
2025 Roth phase-out
| Filing status | MAGI phase-out range |
|---|---|
| Single / head of household | $150,000 – $165,000 |
| Married filing jointly | $236,000 – $246,000 |
| Married filing separately | $0 – $10,000 |
2026 Roth phase-out
| Filing status | MAGI phase-out range |
|---|---|
| Single / head of household | $153,000 – $168,000 |
| Married filing jointly | $242,000 – $252,000 |
| Married filing separately | $0 – $10,000 |
Frequently Asked Questions
Can I still contribute to a 2025 IRA?
Yes -- the IRS lets you make a contribution for a given tax year up until that year's tax filing deadline (typically April 15 of the following year, not December 31), as long as you designate it as a prior-year contribution with your IRA custodian. So a 2025 traditional or Roth IRA contribution can still be made in early 2026, right up to the filing deadline, even though the calendar year has already ended.
What is the 2026 IRA contribution limit?
$7,500 if you're under 50, or $8,600 (a $1,100 catch-up) at 50 or older. Source: IRS Notice 2025-67 (https://www.irs.gov/pub/irs-drop/n-25-67.pdf).
What was the 2025 IRA contribution limit?
$7,000 if you're under 50, or $8,000 (a $1,000 catch-up) at 50 or older -- unchanged from 2024's limit, since the IRS's cost-of-living formula didn't round up to a higher figure that year. Source: IRS Notice 2024-80 (https://www.irs.gov/pub/irs-drop/n-24-80.pdf).
Is the limit different for a traditional IRA versus a Roth IRA?
No -- it's one combined limit across every traditional and Roth IRA you own, not a separate limit per account or per account type. Split $7,000 as $4,000 traditional and $3,000 Roth in the same year, for example, and you've used the full 2025 limit either way. Only your ability to contribute to a Roth (the income phase-out below) or to deduct a traditional contribution differs between the two.
Does the Roth income phase-out mean I can't contribute at all?
Only above the top of the range. Inside the range shown below, you can make a reduced, partial contribution that shrinks as your MAGI rises through it; below the floor, the full limit applies with no reduction. Above the ceiling, you can't contribute to a Roth IRA directly at all for that year (a "backdoor Roth" conversion is the common workaround, not modeled on this page).
Why is the married-filing-separately range stuck at $0 to $10,000 every year?
By statute, that range isn't indexed for cost-of-living the way the other filing statuses are -- Congress fixed it at $0-$10,000 and it has stayed there for decades, in both the 2025 and 2026 IRS notices cited above. In practice, it means most people filing separately who lived with their spouse at any point during the year lose Roth eligibility almost entirely once income is above a token amount.
Figures on this page are estimates from the inputs you enter, not financial advice, and this site is not affiliated with any employer, plan administrator, bank or the IRS. Real accounts vary by plan rules, taxes and fees this tool doesn't model -- see the Terms.