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Traditional IRA Contribution Limits for 2025 and 2026

Traditional IRA Contribution Limits for 2025 and 2026
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Traditional IRA Contribution Limits for 2025 and 2026
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.
Traditional IRA contribution limits for 2025
Traditional IRA contribution limits for 2026
Traditional IRA income limits for 2025 and 2026
2025 traditional IRA income limits
|
Filing status
|
2025 traditional IRA income limit
|
Deduction limit
|
|---|---|---|
|
Single or head of household (and covered by retirement plan at work)
|
$79,000 or less.
|
Full deduction.
|
|
More than $79,000, but less than $89,000.
|
Partial deduction.
| |
|
$89,000 or more.
|
No deduction.
| |
|
Married filing jointly (and covered by retirement plan at work)
|
$126,000 or less.
|
Full deduction.
|
|
More than $126,000, but less than $146,000.
|
Partial deduction.
| |
|
$146,000 or more.
|
No deduction.
| |
|
Married filing jointly (spouse covered by retirement plan at work)
|
$236,000 or less.
|
Full deduction.
|
|
More than $236,000, but less than $246,000.
|
Partial deduction.
| |
|
$246,000 or more.
|
No deduction.
| |
|
Married filing separately (you or spouse covered by retirement plan at work)
|
Less than $10,000.
|
Partial deduction.
|
|
$10,000 or more.
|
No deduction.
|
Traditional IRA income limits for 2026
|
Filing status
|
2026 traditional IRA income limit
|
Deduction limit
|
|---|---|---|
|
Single or head of household (and covered by retirement plan at work)
|
$81,000 or less.
|
Full deduction.
|
|
More than $81,000, but less than $91,000.
|
Partial deduction.
| |
|
$91,000 or more.
|
No deduction.
| |
|
Married filing jointly (and covered by retirement plan at work)
|
$129,000 or less.
|
Full deduction.
|
|
More than $129,000, but less than $149,000.
|
Partial deduction.
| |
|
$149,000 or more.
|
No deduction.
| |
|
Married filing jointly (spouse covered by retirement plan at work)
|
$242,000 or less.
|
Full deduction.
|
|
More than $242,000, but less than $252,000.
|
Partial deduction.
| |
|
$252,000 or more.
|
No deduction.
| |
|
Married filing separately (you or spouse covered by retirement plan at work)
|
Less than $10,000.
|
Partial deduction.
|
|
$10,000 or more.
|
No deduction.
|