IRA Contribution Limit Calculator
The 2026 IRA limit is $7,500 ($8,600 at 50+), but your income can reduce or eliminate Roth IRA eligibility. This calculator checks both the limit and the phase-out ranges.
How to use this calculator
- Enter your age.
- Enter modified adjusted gross income (MAGI).
- Enter filing status.
- Your results appear instantly below and update as you change the numbers.
How this calculator works
The base 2026 IRA limit is $7,500, plus a $1,100 catch-up if you are 50 or older. For Roth IRAs, eligibility phases out between $153,000–$168,000 of modified adjusted gross income (single) or $242,000–$252,000 (married filing jointly); the calculator prorates your allowed amount inside that range. Traditional IRA contributions are always allowed up to the limit if you have earned income — though the deduction may phase out, which is a separate rule.
Frequently asked questions
What counts as earned income for an IRA?
Wages, salaries, tips, self-employment income, and taxable alimony. Investment income and rental income do not count, and your contribution cannot exceed your earned income for the year.
Can I contribute to both a traditional and a Roth IRA?
Yes — the $7,500 limit is shared across all your IRAs. You can split it any way between traditional and Roth, but the total across both cannot exceed the limit, plus catch-up.
What if my income is too high for a Roth?
A backdoor Roth works for many people: contribute to a traditional IRA (contributions have no income limit) and convert it to a Roth. It is cleanest when you have no other pre-tax traditional IRA balance — otherwise the pro-rata rule applies.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: IRS.gov · 2026 limits per IRS tax inflation adjustments.