IRA contribution limits, 2026
Source: Internal Revenue Service, IRA contribution limits page. Verified by Avidity Capital on 2026-07-07. The verification on file used a licensed reference document, which is not republished here.
An IRA is a retirement account you open yourself, outside your employer's plan. The IRS sets how much you can contribute each year across all your IRAs combined, and sets income ranges above which a Roth IRA is no longer available. This page lists those figures.
The figures
The catch-up contribution is a small addition on top of the base limit.
| Item | Figure |
|---|---|
| Contribution limit, traditional and Roth combined | $7,500 |
| Catch-up contribution, age 50 and over | $1,100 |
| Roth IRA eligibility phase-out, single filers, modified adjusted gross income | $153,000 to $168,000 |
| Roth IRA eligibility phase-out, married filing jointly, modified adjusted gross income | $242,000 to $252,000 |
How this is used in your plan
The IRA limit is separate from the TSP or 457(b) limit. You can fill both in the same year.
The Roth phase-out is based on modified adjusted gross income. For a service member, BAH and BAS are not in that figure, which is one reason many military households stay eligible for a Roth IRA longer than a civilian household with the same take-home pay.
Inside the phase-out range the allowed Roth contribution shrinks; above it, none is allowed. When your household income is on file, the app checks it against the start of the range for your filing status and names the workplace Roth instead once you reach it. It does not calculate the reduced contribution inside the range.
A contribution for one tax year can be made up to the filing deadline for that year.
Questions people ask
Is the limit per account or per person?
Per person. The limit covers all your traditional and Roth IRAs together for the year.
Does my spouse get a separate limit?
Yes. Each spouse has their own limit, and a spouse with little or no earned income can still contribute based on the household's earned income when filing jointly.
What counts as income for the Roth phase-out?
Modified adjusted gross income from your tax return. Non-taxable allowances such as BAH and BAS are not included.
Where does the limit come from?
The IRS sets it each year. This page is rebuilt from the verified dataset when the new figure is signed, and the verification line above shows the date.
See these numbers with your own rank and situation
The free reality-check shows your pay and benefits with no account and no card. Once you build a plan, the pay-yourself-first step checks your household income against these ranges before it names a Roth IRA.
Run the free reality-checkThis page is educational and is not investment, tax or legal advice. Figures are published by the source named above and may change; verify the current figure with that source before acting on it. Avidity Capital Inc. is not affiliated with the Internal Revenue Service. Avidity Capital Inc. is a registered investment adviser. Read the firm's Form CRS and Form ADV Part 2A.