Roth IRA Income Limit 2026
Updated for the 2026 tax year · Last updated June 13, 2026
Single filer phase-out range (MAGI)
$153,000–$168,000
2026 · up from $150,000–$165,000 in 2025
| Limit | 2026 | 2025 |
|---|---|---|
| Single / HoH phase-out | $153,000–$168,000 | $150,000–$165,000 |
| Married filing jointly phase-out | $242,000–$252,000 | $236,000–$246,000 |
| Married filing separately | $0–$10,000 | $0–$10,000 |
What changed for 2026
The 2026 Roth IRA income ranges shifted up about 2%. Single filers can make a full contribution below $153,000 MAGI and a partial one up to $168,000; married couples filing jointly phase out between $242,000 and $252,000.
How it works
- •Eligibility is based on modified adjusted gross income (MAGI), not gross salary.
- •Below the bottom of the range you can contribute the full $7,500 ($8,600 if 50+); within the range the limit is reduced; above the top you cannot contribute directly.
- •High earners above the range often use a 'backdoor Roth' (a non-deductible traditional IRA contribution converted to Roth).
- •These ranges apply to Roth IRA contributions only — Roth 401(k) contributions have no income limit.
Roth IRA Income Limit 2026 FAQ
What is the Roth IRA income limit for 2026?
For 2026, single filers phase out between $153,000 and $168,000 of MAGI, and married couples filing jointly between $242,000 and $252,000. Above those amounts you cannot contribute directly to a Roth IRA.
What if I earn too much for a Roth IRA?
You can use a backdoor Roth: contribute to a non-deductible traditional IRA (no income limit) and convert it to a Roth. Roth 401(k) contributions also have no income limit.
Is the Roth limit based on gross or adjusted income?
It uses modified adjusted gross income (MAGI), which is your AGI with certain deductions added back — typically close to your AGI for most filers.
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.