IRA Contribution Limit 2026
Updated for the 2026 tax year · Last updated June 13, 2026
IRA contribution limit (under 50)
$7,500
2026 · up from $7,000 in 2025
| Limit | 2026 | 2025 |
|---|---|---|
| Contribution limit (under 50) | $7,500 | $7,000 |
| Catch-up (age 50+) | $1,100 | $1,000 |
| Total (age 50+) | $8,600 | $8,000 |
What changed for 2026
The IRA limit rose to $7,500 for 2026, the first increase since 2024. The age-50 catch-up was also raised for the first time since 2006 — from $1,000 to $1,100 — because SECURE 2.0 now indexes it to inflation.
How it works
- •The $7,500 limit is the combined total across all your traditional and Roth IRAs — not per account.
- •You can only contribute earned income; the limit is capped at your taxable compensation for the year if that is less than $7,500.
- •Whether a traditional IRA contribution is deductible depends on income and workplace-plan coverage (see the traditional IRA deduction limit).
- •Roth IRA eligibility phases out at higher incomes (see the Roth IRA income limit).
IRA Contribution Limit 2026 FAQ
What is the IRA contribution limit for 2026?
The 2026 IRA limit is $7,500 (up from $7,000). If you are 50 or older you can add a $1,100 catch-up for a total of $8,600.
Is the IRA limit separate from my 401(k) limit?
Yes. The $7,500 IRA limit is completely separate from the $24,500 401(k) deferral limit, so you can contribute to both in the same year.
Why did the IRA catch-up finally increase for 2026?
The $1,000 catch-up had been fixed since 2006. SECURE 2.0 made it inflation-indexed, and 2026 is the first year the adjustment pushed it up — to $1,100.
Related 2026 limits
See all calculators and limits on the retirement & tax hub.
Source: IRS Notice 2025-67 (2026 retirement plan limits). For informational purposes only, not tax advice.