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The IRS has unveiled the Roth individual retirement account contribution and income limits for 2026.

In its release on Thursday, the agency increased the 2026 IRA 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.  

Those annual limits apply to contributions to traditional and Roth IRAs.

Income thresholds for taxpayers making Roth contributions also increased.

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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:

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.

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.

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.

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.

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.