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Pulsafi

IRA Contribution Limits 2026

$7,000
Maximum IRA contribution (under 50)
Summary

The IRA contribution limit for 2026 is $7,000 for both Traditional and Roth IRAs combined. Workers 50 and older can contribute an additional $1,000 catch-up (total $8,000). Roth IRA contributions phase out between $146,000-$161,000 for single filers and $230,000-$240,000 for married filing jointly.

Breakdown

Under 50 limit$7,000
50+ limit (with catch-up)$8,000
Roth phase-out (single, start)$146,000
Roth phase-out (single, end)$161,000
Roth phase-out (MFJ, start)$230,000
Roth phase-out (MFJ, end)$240,000
Source
IRS Notice 2024-80· As of 2026-Q1

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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.