Roth IRA income limit calculator 2026

Enter your filing status and modified AGI to see how much you can contribute to a Roth IRA for 2026, and how far your income is from the phase-out.

You can contribute up to

$4,000

reduced from $7,500 because of your income

Reduced by $3,500
Phase-out $153,000 to $168,000
$7,000 over the start

With a modified AGI of $160,000, your income is inside the phase-out range of $153,000 to $168,000, so your Roth IRA limit is cut from $7,500 to $4,000.

Every $1,000 of income above $153,000 takes about $500 off your limit, and at $168,000 it reaches zero. The limit covers all your IRAs together, and you can contribute until the due date of your 2026 return.

Modified AGI is your adjusted gross income with some adjustments: IRS Publication 590-A has the worksheet. This calculator uses the figure you enter.
If you put in more than your limit, a 6% excise tax applies to the excess each year it stays in the Roth IRA.

Your limit

You can contribute$4,00053%
Lost to income or other IRAs$3,50047%

I’m not an accountant or a financial advisor. This is an estimate, for information only. Check with a professional before you decide.

Your numbers

example: change the numbers

Your filing status

It decides where the phase-out starts: $153,000 for single, head of household and married filing separately if you lived apart all year, $242,000 for a joint return, and from $0 if you are married filing separately and lived with your spouse.

Single, head of household, or separate and lived apart$153,000 to $168,000Married filing jointly or surviving spouse$242,000 to $252,000Married filing separately, lived together$0 to $10,000

Your modified AGI for 2026

Your adjusted gross income with some adjustments (Worksheet 2-1 in IRS Publication 590-A). For a joint return, both spouses together.

Your taxable compensation for 2026

Wages and net self-employment income. You cannot contribute more than you earned from work.

Are you 50 or older in 2026?

From age 50 you can add a catch-up amount of $1,100 in 2026.

YesNo

Contributions to other IRAs in 2026

What you have already put into a traditional or another Roth IRA this year: the limit covers all your IRAs together. Enter 0 if none.

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How your limit is worked out
	IRA limit for 2026	$7,500
	Limited by your compensation	$7,500
	Phase-out starts at	$153,000
	No Roth contribution from	$168,000
	Your limit after the income reduction	$4,000
−	Already put in other IRAs	$0
=	You can still contribute	$4,000

How it works

For 2026 the IRA limit is $7,500, or $8,600 from age 50, and it cannot be more than your taxable compensation. The same limit covers all your IRAs together, traditional and Roth.
The Roth limit starts to shrink when your modified AGI passes $153,000 (single, head of household), $242,000 (jointly) or $0 (married filing separately, lived together). It reaches zero at $168,000, $252,000 and $10,000.
The reduction: take the share of the range you are through, rounded to three places, multiply by your limit, subtract it from the limit and round the result up to the next $10, with a minimum of $200 inside the range.

Worked example

Single, modified AGI $160,000, compensation $120,000: $7,000 over $153,000 is 0.467 of the $15,000 range; 0.467 × $7,500 = $3,502.50; $7,500 − $3,502.50 = $3,997.50, rounded up to $4,000. The IRS worksheet for 2025 gives $6,540 for a single filer at $151,000.

Sources

Text checked on October 13, 2026

Good to know

The income limit applies to contributing directly to a Roth IRA. It is based on modified AGI, not on your salary alone.
The limit is shared: $7,500 in a traditional IRA this year leaves nothing for a Roth IRA, and vice versa. From age 50 the total is $8,600.
You can contribute for 2026 until the due date of your 2026 return, not including extensions, so most people have until April 2027.
A contribution over the limit costs 6% of the excess every year until you fix it, so check your income before you contribute near the top of the range.
This is an estimate based on the numbers you enter. Your tax software or the IRS worksheet gives the exact limit.

Frequently asked questions

What is the Roth IRA income limit for 2026?

The contribution limit starts to shrink at a modified AGI of $153,000 for single filers and $242,000 for married couples filing jointly, and reaches zero at $168,000 and $252,000.

How much can I contribute to a Roth IRA in 2026?

$7,500, or $8,600 if you are 50 or older, as long as you earned at least that much and your income is under the phase-out. The limit covers all your IRAs together.

What is modified AGI for a Roth IRA?

Your adjusted gross income with some adjustments, worked out on Worksheet 2-1 of IRS Publication 590-A. It is the figure the income limit is based on.

What if my income is in the phase-out range?

You can contribute a reduced amount. The calculator applies the IRS worksheet: the share of the range you are through, multiplied by your limit and rounded up to the next $10, with a $200 minimum.

What happens if I contribute too much?

A 6% excise tax applies to the excess contribution for each year it stays in the account, so withdraw it or fix it in time.