IRA Contribution Limit Checker
See the 2026 IRA contribution limit, with the catch-up amount if you will be 50 or older, and where your income falls against the IRS phase-out ranges.
| Basic 2026 limit | $7,500 |
|---|---|
| Age-50 catch-up | Not included |
The limit applies to all your traditional and Roth IRAs combined. This tool does not work out a reduced amount inside a phase-out range.
How this calculator works
The IRS says the 2026 limit on annual IRA contributions is $7,500, up from $7,000, and the catch-up limit for people age 50 or over at the end of the year is $1,100. That makes $8,600 for 2026. The limit applies to the total contributions you make to all of your traditional and Roth IRAs, and contributions cannot exceed your taxable compensation for the year if that is lower.
For 2026 the IRS lists these ranges. Traditional IRA deduction when you are covered by a workplace plan: $81,000 to $91,000 (single) and $129,000 to $149,000 (married filing jointly). When you are not covered but your spouse is: $242,000 to $252,000. Married filing separately: $0 to $10,000. Roth IRA: $153,000 to $168,000 (single or head of household), $242,000 to $252,000 (married filing jointly) and $0 to $10,000 (married filing separately).
The IRS release calls these "income" ranges. This tool does not define the income measure, so ask a tax professional how it applies to you. Special rules for married couples (such as a spouse with little or no income) are not applied.
This tool shows only the 2026 figures. It does not calculate a reduced amount and does not cover other situations.
Sources and access dates
- 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500 (IR-2025-111) (Internal Revenue Service). Used for: the 2026 limit, catch-up and phase-out ranges. Accessed October 17, 2026.
- Retirement topics - Catch-up contributions (Internal Revenue Service). Used for: the $1,100 IRA catch-up and the age 50 rule. Accessed October 17, 2026.
- Retirement topics - IRA contribution limits (Internal Revenue Service). Used for: the combined limit and the taxable-compensation rule. Accessed October 17, 2026.
Educational estimate, not tax or legal advice. This tool applies the rules and figures above to the numbers you type in. It does not know your full tax situation, and rules and amounts can change. Talk to a qualified tax professional or your IRA custodian before acting.
Results are estimates for comparison only, not advice. See our financial disclaimer.