2025 and 2026 Roth IRA Income and Contribution Limits

Roth IRA contributions depend on your modified adjusted gross income and filing status. Review the limits to see if you're eligible.

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Updated Dec 15, 2025 · 4 min read Written by Lead Writer + more + more Reviewed by Certified Financial Planner® + more + more Edited by Managing Editor + more + more Co-written by Head of Content, Investing & Taxes + more + more SOME CARD INFO MAY BE OUTDATED

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Read an overview of this article In 2025, the Roth IRA contribution limit is $7,000 for those below age 50, and $8,000 for those age 50 and older. You have until the tax deadline, which is April 15, 2026, to contribute. In 2026, the Roth IRA contribution limit rises to $7,500. Those age 50 and older can contribute up to $8,600. Roth IRA contribution rules Roth IRA contribution rules Your amount and ability to contribute to a Roth IRA depend on three things ( see how much you can contribute ): Your tax filing status. Your modified adjusted gross income for the year. Any contributions made to other IRA accounts. How to navigate Roth IRA income limits How to navigate Roth IRA income limits How to navigate Roth IRA income limits Contribution rules for Roth IRAs can affect how much you’re able to contribute, but even if your contributions are reduced or restricted, you still have options (

jump to the full details ). If your income only qualifies you for a reduced contribution: You can make a partial contribution, which grows tax-free and helps diversify your retirement tax strategy. Having both Roth and traditional accounts could help keep you in a lower tax bracket in retirement, potentially lowering your Social Security and Medicare taxes. If your income only qualifies you for a reduced contribution: If your income exceeds the limits: You may still access a Roth IRA through a backdoor Roth, which involves converting funds from a traditional IRA. Some workers with 401(k)s may also consider a mega backdoor Roth, though this is more complex and often best navigated with a tax professional. If your income exceeds the limits: Other things to know: Other things to know: Earned income requirement. You can’t contribute more than your annual earned income. Earned income requirement Excess contributions. Contributing too much can trigger IRS penalties, but mistakes can be corrected by withdrawing the excess (and any earnings) before or shortly after filing taxes. Waiting until closer to the tax deadline, when your income is clearer, may help avoid this issue. Excess contributions.

Roth IRA income limits 2025

For 2025, single filers who have a modified adjusted gross income (MAGI) of less than $150,000 and joint filers who make less than $236,000 can make a full contribution to their Roth IRA. If your modified adjusted gross income is above $150,000 as a single filer or $236,000 as a joint filer in 2025, your ability to contribute might be reduced, or you may not be able to contribute to a Roth IRA at all . If you find that you've made too much to contribute, there are still ways to add to your Roth IRA as a high earner . » MORE: How to find a financial advisor who can help plan retirement » MORE: » MORE:

Roth IRA contribution limits 2025

In 2025, you can make a full Roth IRA contribution of $7,000, or $8,000 for those age 50 and older, if you meet the income eligibility requirements. You can have and contribute to multiple types of IRAs in a single year, but the total contribution across all accounts can't exceed the annual IRS limit.

2025 Roth IRA income and contribution limits

Filing status Filing status Modified gross adjusted income Modified gross adjusted income Contribution limits Contribution limits Single Single Head of household Head of household Married filing separately (if you didn't live with your spouse during the year) Married filing separately (if you didn't live with your spouse during the year) Less than $150,000. $7,000 ($8,000 if 50 or older). $150,000 or more, but less than $165,000. Contribution is reduced. $165,000 or more. No contribution allowed. Married filing jointly Married filing jointly Surviving spouse Surviving spouse Less than $236,000. $7,000 ($8,000 if 50 or older). $236,000 or more, but less than $246,000. Contribution is reduced. $246,000 or more. No contribution allowed. Married filing separately (if you lived with spouse at any time during year) Married filing separately (if you lived with spouse at any time during year) Less than $10,000. Contribution is reduced. $10,000 or more. No contribution allowed. » Ready to crunch the numbers? Jump to our Roth IRA contribution calculator » Ready to crunch the numbers?

Roth IRA income limits 2026

For 2026, single filers with a MAGI of less than $153,000 can make a full Roth IRA contribution. For those married filing jointly, their MAGI must be less than $242,000.

Roth IRA contribution limits 2026

If income eligibility requirements are met, the full Roth IRA contribution for 2026 is $7,500 for those under age 50. Those age 50 and over can add another $1,100 as a catch-up contribution, bringing their total Roth IRA contribution to $8,600.

2026 Roth IRA income and contribution limits

Filing status Filing status Modified gross adjusted income Modified gross adjusted income Contribution limits Contribution limits Single Single Head of household Head of household Married filing separately (if you didn't live with your spouse during the year) Married filing separately (if you didn't live with your spouse during the year) Less than $153,000. $7,500 ($8,600 if 50 or older). $153,000 or more, but less than $168,000. Contribution is reduced. $168,000 or more. No contribution allowed. Married filing jointly Married filing jointly Surviving spouse Surviving spouse Less than $242,000. $7,500 ($8,600 if 50 or older). $242,000 or more, but less than $252,000. Contribution is reduced. $252,000 or more. No contribution allowed. Married filing separately (if you lived with spouse at any time during year) Married filing separately (if you lived with spouse at any time during year) Less than $10,000. Contribution is reduced. $10,000 or more. No contribution allowed.

How to navigate the Roth IRA income limits

If your income reduces your Roth IRA contribution

If your ability to make a full contribution is reduced because of your income, you can still make a partial contribution. The money grows tax-free, and you're still able to take those qualified distributions tax-free in retirement . You’ll also gain some valuable tax diversification in retirement: Because Roth IRA distributions aren’t included in your taxable income in retirement, pulling money from that pot, in addition to a traditional IRA or 401(k), could keep you in a lower tax bracket.

If your income exceeds the Roth IRA limits

If your income is too high and prevents you from making a direct contribution to a Roth IRA, you do have an option to get around the income limit: a backdoor Roth IRA. This involves putting money in a traditional IRA and then converting the account to a Roth IRA. If you have a 401(k), you could also consider a mega backdoor Roth, though this process may be more involved and incur potential tax bills. Working with a financial advisor or tax professional who’s familiar with your financial situation could be helpful. » MORE: This quiz can help you see if it's time to get a financial advisor » MORE:

Roth IRA contribution calculator

Investment details

Annual contribution ($7,500 max) Annual contribution ($7,500 max) Annual contribution ($7,500 max)

Your contribution amount depends on your filing status and annual income. The calculator will adjust automatically based on your previous answers.

Estimated rate of return Estimated rate of return Estimated rate of return

The average annual return you expect from your IRA investments each year. Roth IRA return rates are generally around 6%.

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Roth IRA Roth IRA Standard Taxable Account Standard Taxable Account

Other Roth IRA contribution and income rules

Earned income restriction

The fine print on Roth IRA contribution limits — and any IRA contribution, for that matter — is that you can’t contribute more than your earned income for the year. For example, if your taxable compensation in 2025 was $3,000, your IRA contribution limit is also $3,000. If you didn't receive any earned income during the tax year, you can't contribute to any type of IRA, Roth included. (The exception is the spousal IRA, which allows a nonworking spouse to contribute to an IRA based on the taxable compensation of the working spouse.)

Excess Roth IRA contributions

An excess contribution to your Roth IRA could trigger IRS penalties. Given the Roth IRA's contribution rules, this might happen if you make a full contribution to your Roth IRA (up to your permitted limit), but then receive a salary bump or bonus later in the year that shifts you into a higher income range. This could also happen if you use more than one IRA and contribute beyond the shared limit to both. But here’s the good news: You’re allowed to backtrack. If you realize your mistake prior to filing your tax return, withdraw the excess contributions and the earnings you received on them. And in future years, it can be a good practice to wait until you know your MAGI before making a contribution, and add to your Roth IRA closer to the Tax Day deadline. If you’ve already filed, you can remove the excess and earnings within six months and file an amended tax return. In both cases, you’ll pay taxes on the earnings but no penalty . Another option is to reduce the following year’s contribution by the excess amount, but you’ll pay a 6% penalty on the excess that was contributed for every year it remains in the account . If you have questions about removing excess funds, it may make sense to work with a tax advisor. » MORE: See the average retirement savings by age » MORE: » MORE:

Common questions about Roth IRA contributions

"Should I pay off debt or max out my Roth IRA contribution?"

This can be a difficult choice. On one hand, paying off high-interest debt sooner frees up your money for other priorities, including saving for retirement. On the other, you can only contribute a set amount to your IRAs every year. If you don't contribute, you can't make it up the following year. Consider if you already have an emergency fund, and if you have access to a 401(k) with an employer match, if you're able to contribute enough to receive the match. From there, evaluate the type of debt you have and its interest rate. High-interest debt might be the priority for repayment, whereas low-interest debt may provide more flexibility for balancing repayment and building retirement savings. » More on whether to max out your Roth IRA contribution » More on

"Do withdrawals from my Roth IRA lower my contribution amount that year?"

No, withdrawals from a Roth IRA don't lower your contribution amount for the year. You can still contribute up to the annual limit. » Learn more about Roth IRA withdrawal rules » Learn more

"What is the last day to make a Roth IRA contribution?"

The last day to make a Roth IRA contribution is Tax Day. For the 2025 tax year, the deadline is April 15, 2026. Article sources NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines. IRS.gov. 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500. Accessed Dec 15, 2025. IRS.gov. Roth IRAs. Accessed Dec 15, 2025. Internal Revenue Service. Publication 590-A (2023), Contributions to Individual Retirement Arrangements (IRAs). Accessed Dec 15, 2025. IRS.gov. IRA year-end reminders. Accessed Dec 15, 2025. About the authors June Sham June Sham is a lead writer on NerdWallet's investing and taxes team covering retirement and personal finance. See full bio. Arielle O'Shea Arielle is a NerdWallet authority on retirement and investing, with appearances on the "Today" Show, "NBC Nightly News" and other national media. See full bio. Roth IRA income limits 2025 Roth IRA contribution limits 2025 Roth IRA income limits 2026 Roth IRA contribution limits 2026 How to navigate the Roth IRA income limits How to navigate the Roth IRA income limits Roth IRA contribution calculator Other Roth IRA contribution and income rules Other Roth IRA contribution and income rules Common questions about Roth IRA contributions Common questions about Roth IRA contributions More like this How Much Does a Financial Advisor Cost? By Andrea Coombes, Taryn Phaneuf Do You Need a Financial Advisor? 7 Ways to Tell By Taryn Phaneuf How to Find Cheap or Free Financial Advice By Anna-Louise Jackson Retirement Calculator By June Sham, Alana Benson