The IRS has unveiled the Roth individual retirement account contribution and income limits for 2026.
In its release on Thursday, the agency increased the 2026 IRA contribution limit to $7,500, up from $7,000 in 2025. The IRS also boosted the IRA catch-up contributions for investors age 50 and older to $1,100, up from $1,000 in 2025.
Those annual limits apply to contributions to traditional and Roth IRAs.
Income thresholds for taxpayers making Roth contributions also increased.
To contribute up to the limit in a Roth IRA, your modified adjusted gross income, or MAGI, must be below a certain threshold, which changed for 2026:
