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Pulsafi

IRA Contribution Limits 2026

$7,500
Maximum IRA contribution (under 50)
Summary

The IRA contribution limit for 2026 is $7,500 for both Traditional and Roth IRAs combined. Workers 50 and older can contribute an additional $1,100 catch-up (total $8,600). Roth IRA contributions phase out between $153,000-$168,000 for single filers and $242,000-$252,000 for married filing jointly.

Breakdown

Under 50 limit$7,500
50+ limit (with catch-up)$8,600
Roth phase-out (single, start)$153,000
Roth phase-out (single, end)$168,000
Roth phase-out (MFJ, start)$242,000
Roth phase-out (MFJ, end)$252,000
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.