Learn the updated contribution limits and income thresholds for IRAs in 2026. EP Wealth retirement planners help you plan for your short and long-term financial goals. Find an advisor near you.

How Much Can I Contribute to an IRA in 2026?

Each year, the IRS adjusts contribution limits and income thresholds for retirement accounts in response to inflation and changing economic conditions. Below, we cover the 2026 contribution and income limits for traditional and Roth IRAs.

If you’re considering adjustments to your retirement plan, a financial planner at EP Wealth can provide guidance on how to best align with these 2026 limits and manage your tax options.

2026 IRA Contribution Limits

In 2026, the contribution limit for traditional and Roth IRAs is $7,500. Individuals aged 50 and older can take advantage of an additional “catch-up” contribution of $1,100, allowing for a total annual contribution of $8,600.

What Has Changed for 2026? Income Limits and Phase-Out Ranges

For 2026, the income ranges used to determine eligibility to make deductible contributions to traditional IRAs and Roth IRAs have increased.

To understand these changes, it’s helpful to understand the concept of phase-outs. A phase-out refers to a gradual reduction of a tax credit a taxpayer qualifies for as their income approaches the higher limit of eligibility for that credit.

So, a taxpayer with income at the lower end of a phase-out range may qualify for the maximum tax credit amount, and a taxpayer at the higher end of the income scale will be eligible for less. If the taxpayer’s income exceeds the upper limit for the phase-out, they may be ineligible to utilize the tax advantage altogether.

Here is an overview of the new phase-out ranges and income changes for 2026.

2026 Traditional IRA Phase-Out Ranges

Although traditional IRA contributions are not limited by income, the amount you can deduct depends on your modified adjustable gross income (MAGI), tax filing status, and whether you’re covered by a workplace retirement plan. Here are the 2026 phase-out ranges:

• Single filers covered by a workplace retirement plan: The deduction phase-out range increases in 2026 to between $81,000 and $91,000.
• Married couples filing jointly, with the contributing spouse covered by a workplace retirement plan: The deduction phase-out range is from $129,000 to $149,000.
• Married couples filing jointly, where the contributor is not covered by a workplace plan but their spouse is: The phase-out range is between $242,000 and $252,000.
• Married individual filing separately and covered by a workplace plan: The phase-out remains between $0 and $10,000, as it is not affected by cost-of-living adjustments.

If your income places you above these phase-out ranges, your eligibility to deduct contributions may be phased out completely. Higher-income earners may need to explore alternative savings options if deductions are unavailable.

2026 Roth IRA Income Phase-Out Ranges

For Roth IRAs, 2026 income thresholds fully determine whether you can contribute directly, partially, or not at all:

• Single filers and heads of household: The Roth IRA income phase-out range increases in 2026 to between $153,000 and $168,000.
• Married couples filing jointly: The income phase-out range is $242,000 to $252,000.
• Married couples filing separately: The range remains between $0 and $10,000.

For individuals whose income exceeds these limits, direct Roth IRA contributions aren’t allowed, but there may be alternatives like a “backdoor” Roth IRA strategy. Discussing these options with a financial planner can help manage your retirement savings despite income restrictions.

If you earn too much to contribute directly to a Roth IRA, retirement planning professionals at EP Wealth work with you to explore other solutions to help you achieve your savings goals and sustain income for a lifetime. Contact an advisor to get started.

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