IRA Contribution Limit Calculator

2026

Check your Traditional and Roth IRA limits based on income, age, and employer plan coverage.

By Konstantin Iakovlev · Updated September 2026 · Source: IRS — 2026 401(k) and IRA limits (IR-2025-111)

$
Covered by Employer Plan

Traditional IRA (Deductible)

$0.00

Roth IRA Limit

$7,500.00

Total IRA Limit

$7,500.00

IRA Contribution Options

2026 IRA Contribution Limit$7,500.00
Your Total Limit$7,500.00
Max Deductible Traditional IRA$0.00
Max Roth IRA$7,500.00
Non-Deductible Traditional IRA$7,500.00

Use the IRA Contribution Limit Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

How It Works

Figuring out how much you can legally put into an Individual Retirement Account (IRA) for a given tax year is the starting point for any IRA strategy. Knowing that ceiling lets you make the most of tax-advantaged retirement savings while staying clear of the penalties that follow an over-contribution.

Several inputs shape the number. The tool starts from the 2026 IRS limit of $7,500 and adds the $1,100 catch-up once you are 50. It then applies the income phase-outs to your modified AGI. The Traditional IRA deduction shrinks between $81,000 and $91,000 (single) or $129,000 and $149,000 (married filing jointly) when you are covered by a workplace plan, and between $242,000 and $252,000 when only your spouse is. Direct Roth contributions phase out between $153,000 and $168,000 (single) or $242,000 and $252,000 (joint). The tool does not check your earned income or subtract contributions you have already made to other IRAs this year; employer contributions to a SEP or SIMPLE IRA don't count against this limit.

Funding the full amount while overlooking other IRA contributions made the same year is an easy way to overshoot, as is ignoring the earned income requirement. Your contribution has to be backed by enough earned income to support it, since investment income and pensions generally do not qualify.

Example: Single Filer, Age 45, $85,000 MAGI, Covered by a Workplace Plan

  1. 1 Input: age 45, single, modified AGI of $85,000, covered by an employer retirement plan.
  2. 2 Limit: under 50, so the 2026 limit is $7,500 with no catch-up.
  3. 3 Traditional IRA deduction: $85,000 is $4,000 into the $10,000-wide $81,000–$91,000 phase-out range, so the deductible amount falls by 40% × $7,500 = $3,000, to $4,500. The other $3,000 can still go in as a non-deductible contribution.
  4. 4 Roth IRA: $85,000 is below the $153,000 start of the Roth phase-out, so the full $7,500 can go into a Roth instead. Either way, the total across all of this person's IRAs for 2026 is $7,500, and it can't exceed their earned income for the year.

Source: IRS — 2026 401(k) and IRA limits (IR-2025-111) · Last updated: September 2026

Frequently Asked Questions

What is the IRA contribution limit for 2026?
The 2026 IRA contribution limit is $7,500, or $8,600 if you are age 50 or older. This limit applies across all Traditional and Roth IRAs combined. It does not include rollovers or conversions.
Can I contribute to an IRA if I have a 401(k)?
Yes. You can always contribute to a Traditional IRA, but the deduction may be limited if you or your spouse are covered by a workplace plan and your income exceeds certain thresholds. Roth IRA contributions have their own income limits regardless of workplace plan coverage.
What happens if I contribute too much to my IRA?
Excess IRA contributions are subject to a 6% penalty for each year they remain in the account. To fix it, withdraw the excess plus any earnings before the tax filing deadline (including extensions). If you miss the deadline, you can apply the excess to the following year contribution.

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