Kseniya Ovchinnikova | Moment | Getty Images<\/p>\n
The IRS has unveiled the\u00a0Roth individual retirement account<\/a>\u00a0contribution and income limits for 2026.<\/p>\n In its release<\/a> on Thursday, the agency increased the 2026 IRA<\/a> contribution limit to $7,500, up from $7,000 in 2025. The IRS also boosted the IRA catch-up contributions for investors age 50 and older to $1,100, up from $1,000 in 2025.\u00a0\u00a0<\/p>\n Those annual limits<\/a> apply to contributions to traditional and Roth IRAs.<\/p>\n Income thresholds for taxpayers making Roth contributions also increased.<\/p>\n Read more CNBC personal finance coverageIRS announces 2026 401(k) contribution limits, raises savings cap<\/a>IRS unveils 2026 IRA contribution limits, raises savings cap<\/a>IRS announces 401(k) catch-up contributions for 2026, raises cap<\/a>IRS unveils Roth IRA income limits for 2026<\/a>What the Visa, MasterCard settlement means for your rewards credit card<\/a>Where SNAP benefits stand amid negotiations to end the government shutdown<\/a>Why the AI stock boom mainly benefits the wealthy<\/a>Boomers are less bullish on ETFs than younger generations \u2014 with good reason<\/a>Trump floats $2,000 tariff rebate checks: Here’s what you need to know<\/a>This is the ‘biggest mistake’ you can make with your IRA, attorney says<\/a>Consumers on edge as ACA ‘subsidy cliff’ looms: ‘Quite frankly, it’s terrifying’<\/a>How to have tricky money talks as a couple: ‘Money Together’ authors<\/a>Amid FAA order flight cancellations, how credit card travel insurance works<\/a>These annuities act like ‘bumpers in a bowling lane’ to limit losses: advisor<\/a>As student loan forgiveness notices go out, here are next steps for borrowers<\/a>Federal workers at risk of missing more pay as government shutdown continues<\/a>CNBC’s Financial Advisor 100: Best financial advisors, top firms for 2025 ranked<\/a>Roth IRA income phaseouts for 2026<\/p>\n To contribute up to the limit in a Roth IRA, your modified adjusted gross income, or MAGI, must be below a certain threshold, which changed for 2026:<\/p>\n The income phaseout range for taxpayers making contributions to a Roth IRA increased to between $153,000 and $168,000 for single or head of household filing status. That’s up from between $150,000 and $165,000 in 2025. Those taxpayers can make partial Roth contributions.<\/p>\n Taxpayers using either of those filing statuses can make a full Roth contribution if their MAGI is under $153,000. They cannot contribute to a Roth at all if their MAGI is above $168,000.<\/p>\n For married couples filing jointly, the income phase-out range increased to between $242,000 and $252,000, up from between $236,000 and $246,000 for 2025. Those taxpayers can make partial Roth contributions.<\/p>\n Married couples filing jointly can make a full Roth contribution if their MAGI is under $242,000. They cannot contribute to a Roth at all if their MAGI is above $252,000.<\/p>\n The phaseout range for married filing separately is not subject to an annual cost-of-living adjustment, according to the IRS, and remains between $0 and $10,000.<\/p>\n","protected":false},"excerpt":{"rendered":"Kseniya Ovchinnikova | Moment | Getty Images The IRS has unveiled the\u00a0Roth individual retirement account\u00a0contribution and income limits…\n","protected":false},"author":2,"featured_media":280996,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[879,4497,4615,45,161,49,48,4950,133,2518,11127,43581,86418,43582,131,11125,132,7712,56183,11126,8909],"class_list":["post-280995","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-breaking-news","tag-breaking-news-investing","tag-breaking-news-politics","tag-business","tag-business-news","tag-ca","tag-canada","tag-estate-planning","tag-finance","tag-financial-planning","tag-government-taxation-and-revenue","tag-individual-retirement-accounts","tag-internal-revenue-service","tag-national-taxes","tag-personal-finance","tag-personal-saving","tag-personalfinance","tag-retirement-planning","tag-roth-iras","tag-tax-planning","tag-taxes"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts\/280995","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/comments?post=280995"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts\/280995\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/media\/280996"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/media?parent=280995"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/categories?post=280995"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/tags?post=280995"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}