Roth IRA Income Limit Calculator 2026
Check whether your 2026 income leaves you eligible for a full Roth IRA contribution, a reduced contribution, or no direct Roth IRA contribution at all.
Last updated: April 3, 2026
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2026 direct Roth IRA phaseout ranges used here: Single/HOH $153,000 to $168,000, MFJ $242,000 to $252,000, MFS $0 to $10,000.
Official 2026 IRS Roth IRA Phaseout Thresholds
Direct Roth IRA contributions are subject to strict Modified Adjusted Gross Income (MAGI) phaseouts set by the IRS under Code Section 408A. The 2026 statutory limits are:
| Filing Status | Full Contribution Allowed | Partial Contribution (Phaseout) | No Direct Contribution |
|---|---|---|---|
| Single / Head of Household | MAGI under $153,000 | $153,000 to $168,000 | MAGI $168,000 or more |
| Married Filing Jointly | MAGI under $242,000 | $242,000 to $252,000 | MAGI $252,000 or more |
| Married Filing Separately | N/A ($0) | $0 to $10,000 | MAGI $10,000 or more |
Maximum Contribution Limits for 2026
For tax year 2026, the maximum aggregate contribution limit across all traditional and Roth IRAs is:
- Under Age 50: $7,500 per individual.
- Age 50 and Older (Catch-Up): $8,600 (includes the statutory inflation-adjusted $1,100 catch-up contribution).
The "Backdoor Roth" Alternative for High Earners
If your 2026 income exceeds the phaseout cutoff ($168,000 Single or $252,000 Married Filing Jointly), you cannot contribute directly to a Roth IRA. However, high earners can legally utilize the Backdoor Roth IRA strategy: contribute after-tax nondeductible dollars into a Traditional IRA, then immediately execute a tax-free Roth conversion before earnings accrue (taking care to navigate the IRS pro-rata rule).
Frequently Asked Questions
When is the deadline to make a 2026 Roth IRA contribution?
You have until Tax Day (April 15, 2027) to make and designate your contribution for the 2026 tax year.
Does a 401(k) contribution reduce my MAGI for Roth IRA limits?
Yes. Traditional pre-tax 401(k), 403(b), and HSA contributions reduce your Adjusted Gross Income directly, which can bring your income below the Roth phaseout thresholds.
What happens if I contribute too much to a Roth IRA?
Excess contributions are subject to a 6% excise penalty tax per year for each year the excess remains in your account. You can avoid the penalty by withdrawing the excess contribution and its earnings prior to your tax filing deadline.