What is the IRA contribution limit for 2026?

$7,500, or $8,600 if you are 50 or older, across all your traditional and Roth IRAs.

Can I contribute to an IRA if my income is too high to deduct it?

Yes. The income limits only affect the deduction (traditional) or eligibility (Roth); a nondeductible traditional IRA contribution has no income limit.

When is the deadline for 2026 IRA contributions?

The tax filing deadline in April 2027 (not counting extensions).

Tax numbersTax years 2026 and 2025IRS Notice 2025-67

IRA contribution limits 2026 and 2025

The 2026 IRA contribution limit is $7,500, or $8,600 if you are 50 or older ($7,000 and $8,000 in 2025). It is one limit for all your traditional and Roth IRAs together.

2025FinalFor returns filed in 2026. Notice 2024-80.

2026Current yearFor returns filed in 2027. Notice 2025-67.

2027Not yet publishedNot published as of 9 October 2026. The 2027 IRA limits will be in the IRS notice that follows Notice 2025-67. Until then, plan with the 2026 figures on this page.

IRA limits 2026 and 2025Contribution limit, and the income ranges where the traditional IRA deduction shrinks to zero.

	2026	2025	Change
IRA contribution limit (traditional and Roth combined)	$7,500	$7,000	+$500 (+7.1%)
Catch-up, age 50 and over	$1,100	$1,000	+$100 (+10.0%)
Deduction phase-out: single or head of household, covered by a workplace plan	$81,000 to $91,000	$79,000 to $89,000	+$2,000 (+2.5%)
Married joint, you are covered by a workplace plan	$129,000 to $149,000	$126,000 to $146,000	+$3,000 (+2.4%)
Married joint, only your spouse is covered	$242,000 to $252,000	$236,000 to $246,000	+$6,000 (+2.5%)
Married filing separately, covered	$0 to $10,000	$0 to $10,000	No change

Source: IRS, Notice 2025-67: 2026 retirement plan and IRA limits (with the 2025 amounts they replace)

Can I deduct my IRA contribution?

Modified AGI

Filing status

Tax year

I am covered by a retirement plan at work

My spouse is covered by a plan at work

I am 50 or older

Traditional IRA contribution you can deduct

Your phase-out range is $81,000 to $91,000 of modified AGI. Below it the full $7,500 is deductible; above it none is. You can still contribute up to $7,500 even if it is not deductible.

Uses the method of IRS Publication 590-A Worksheet 1-2: the reduced amount is rounded up to the next $10, with a $200 minimum. Married filing separately and living apart all year: use Single.

Roth IRA income limits

Roth IRAs have their own income limits ($153,000 to $168,000 single, $242,000 to $252,000 married joint in 2026). See Roth IRA income limits and eligibility calculator.

Saver's credit income limits

Adjusted gross income above which the retirement savings contributions credit is zero (Notice 2025-67).

	2026	2025	Change
Married filing jointly	$80,500	$79,000	+$1,500 (+1.9%)
Head of household	$60,375	$59,250	+$1,125 (+1.9%)
Single and others	$40,250	$39,500	+$750 (+1.9%)

Questions and answers

What is the IRA contribution limit for 2026?: $7,500, or $8,600 if you are 50 or older, across all your traditional and Roth IRAs.
Can I contribute to an IRA if my income is too high to deduct it?: Yes. The income limits only affect the deduction (traditional) or eligibility (Roth); a nondeductible traditional IRA contribution has no income limit.
When is the deadline for 2026 IRA contributions?: The tax filing deadline in April 2027 (not counting extensions).

401(k) limits$24,500
Roth IRA income limits$153,000 single
Tax brackets37% from $640,600
Standard deduction$16,100 single
Capital gains brackets0% to $49,450 single
Your federal tax receiptwhere your tax goes
State income tax calculators50 states and DC
All tax numbers2025 and 2026

Sources

IRS, Notice 2025-67: 2026 retirement plan and IRA limits (with the 2025 amounts they replace).
IRS, Notice 2024-80: 2025 retirement plan and IRA limits.
IRS, Publication 590-A (2025), Contributions to IRAs: Worksheet 2-2 (reduced Roth IRA limit) and Worksheet 1-2 (reduced IRA deduction).
Every figure on this page was checked against the documents above by an automated test on 9 October 2026. Status of 2027 figures checked on 9 October 2026 (IRS newsroom and SSA). Page built 2026-10-09.