Income phaseout
2026 Roth IRA Contribution Limit Calculator
The Roth IRA limit for 2026 is $7,500, plus a $1,100 catch-up for anyone 50 or older. Unlike the traditional IRA deduction, the Roth limit is not merely reduced by income. Above a certain range it falls to zero, and the reduction is gradual rather than a cliff.
Enter modified adjusted gross income, filing status and age. The tool interpolates inside the published phaseout range and reports the maximum contribution allowed. Because the reduction is linear, every dollar of extra income inside the range removes a fixed fraction of the allowance.
Calculator
Official 2026 figures used here
| Modified AGI | Contribution allowed | Reduced by |
|---|---|---|
| $100,000 | $7,500 | $0 |
| $153,000 | $7,500 | $0 |
| $160,000 | $4,000 | $3,500 |
| $165,000 | $1,500 | $6,000 |
| $168,000 | $0 | $7,500 |
How to read the result
The phaseout range for 2026 is $153,000 to $168,000 for single filers and heads of household, and $242,000 to $252,000 for a joint return. Inside that window the allowance shrinks in proportion to how far income has travelled through it, so the midpoint of the range removes roughly half the limit.
Two features of the design matter more than the specific numbers. The range for joint filers is only $10,000 wide against $15,000 for single filers, so a married couple loses the allowance faster per dollar of income once they enter it. And the reduction is measured on modified adjusted gross income, which adds back certain deductions, so it can exceed the figure on the last line of the return.
The contribution limit is also bounded by compensation. A taxpayer with $2,000 of earned income cannot contribute $7,500 no matter how low their modified AGI is, because the allowance is the lesser of the dollar limit and taxable compensation. This tool models the income phaseout only, so the result is an upper bound rather than a permission.
Age changes the arithmetic in one direction only. The catch-up raises the ceiling to $8,600 from age 50, but it does not widen the phaseout range, so an older saver loses a larger absolute amount as income travels through the same window. A married taxpayer filing separately faces a range that begins at zero and is not indexed, which in practice eliminates the option.
Questions people ask about this figure
What is the 2026 Roth IRA limit?
$7,500, or $8,600 for anyone 50 or older, subject to the income phaseout and to having at least that much compensation.
At what income does the Roth allowance reach zero?
$168,000 of modified AGI for single filers and heads of household, and $252,000 for a joint return. Married filing separately phases out from zero to $10,000.
Is the phaseout a cliff?
No. It is a linear reduction across the range, and only at the top of the range does the allowance actually reach zero.
Related calculators
Every figure on this page appears in the official release listed below. The values were checked against those pages on 2026-11-14. Where a release states a threshold but does not publish a rate, this site reports the threshold and does not estimate the missing value.
- IRS: 401(k) and IRA limits for 2026 — Notice 2025-67 / IR-2025-111