2026 limits
- $7,500 a year ($8,600 if 50 or older), combined across traditional and Roth IRAs, and not more than your earned income.
- Roth phase-out: $153,000–$168,000 MAGI single, $242,000–$252,000 married filing jointly.
- Withdrawals of earnings are tax-free after age 59½ if the account is at least 5 years old.
FAQ
What is the 2026 Roth IRA limit?
$7,500, or $8,600 if you are 50 or older.
Sources (checked Nov 6, 2026): IRS Notice 2025-67 (2026 limits).