{"id":376602,"date":"2025-11-13T19:31:16","date_gmt":"2025-11-13T19:31:16","guid":{"rendered":"https:\/\/www.europesays.com\/us\/376602\/"},"modified":"2025-11-13T19:31:16","modified_gmt":"2025-11-13T19:31:16","slug":"irs-announces-roth-ira-income-limits-for-2026","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/us\/376602\/","title":{"rendered":"IRS announces Roth IRA income limits for 2026"},"content":{"rendered":"<p>Kseniya Ovchinnikova | Moment | Getty Images<\/p>\n<p>The IRS has unveiled the\u00a0<a href=\"https:\/\/www.cnbc.com\/roth-ira\/\" target=\"_blank\" rel=\"noopener\">Roth individual retirement account<\/a>\u00a0contribution and income limits for 2026.<\/p>\n<p>In its <a href=\"https:\/\/www.irs.gov\/newsroom\/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500\" target=\"_blank\" rel=\"noopener\">release<\/a> on Thursday, the agency increased the 2026 <a href=\"https:\/\/www.cnbc.com\/ira\/\" target=\"_blank\" rel=\"noopener\">IRA<\/a> 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.\u00a0\u00a0<\/p>\n<p>Those <a href=\"https:\/\/www.cnbc.com\/2025\/11\/13\/2026-ira-contribution-limits-mathematically-smartest-way-to-invest.html\" target=\"_blank\" rel=\"noopener\">annual limits<\/a> apply to contributions to traditional and Roth IRAs.<\/p>\n<p>Income thresholds for taxpayers making Roth contributions also increased.<\/p>\n<p>Read more CNBC personal finance coverage<\/p>\n<ul>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/11\/13\/401-k-contribution-limits-2026.html\" target=\"_blank\" rel=\"noopener\">IRS announces 2026 401(k) contribution limits, raises savings cap<\/a><\/li>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/11\/13\/2026-ira-contribution-limits-irs.html\" target=\"_blank\" rel=\"noopener\">IRS unveils 2026 IRA contribution limits, raises savings cap<\/a><\/li>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/11\/13\/401-k-catch-up-contribution-limits-2026.html\" target=\"_blank\" rel=\"noopener\">IRS announces 401(k) catch-up contributions for 2026, raises cap<\/a><\/li>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/11\/13\/roth-ira-income-limits-2026.html\" target=\"_blank\" rel=\"noopener\">IRS unveils Roth IRA income limits for 2026<\/a><\/li>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/11\/13\/visa-mastercard-legal-settlement-what-you-need-to-know.html\" target=\"_blank\" rel=\"noopener\">What the Visa, MasterCard settlement means for your rewards credit card<\/a><\/li>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/11\/12\/snap-benefits-government-shutdown-negotiations.html\" target=\"_blank\" rel=\"noopener\">Where SNAP benefits stand amid negotiations to end the government shutdown<\/a><\/li>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/11\/12\/ai-stock-boom-wealth-gap.html\" target=\"_blank\" rel=\"noopener\">Why the AI stock boom mainly benefits the wealthy<\/a><\/li>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/11\/11\/baby-boomers-etfs.html\" target=\"_blank\" rel=\"noopener\">Boomers are less bullish on ETFs than younger generations \u2014 with good reason<\/a><\/li>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/11\/11\/trump-2000-tariff-rebate-plan.html\" target=\"_blank\" rel=\"noopener\">Trump floats $2,000 tariff rebate checks: Here&#8217;s what you need to know<\/a><\/li>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/11\/09\/biggest-ira-mistake.html\" target=\"_blank\" rel=\"noopener\">This is the &#8216;biggest mistake&#8217; you can make with your IRA, attorney says<\/a><\/li>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/11\/08\/aca-subsidy-cliff-government-shutdown.html\" target=\"_blank\" rel=\"noopener\">Consumers on edge as ACA &#8216;subsidy cliff&#8217; looms: &#8216;Quite frankly, it&#8217;s terrifying&#8217;<\/a><\/li>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/11\/08\/how-to-talk-about-money-as-a-couple.html\" target=\"_blank\" rel=\"noopener\">How to have tricky money talks as a couple: &#8216;Money Together&#8217; authors<\/a><\/li>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/11\/07\/faa-flight-cancellations-credit-card-travel-insurance.html\" target=\"_blank\" rel=\"noopener\">Amid FAA order flight cancellations, how credit card travel insurance works<\/a><\/li>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/11\/07\/registered-index-linked-annuities.html\" target=\"_blank\" rel=\"noopener\">These annuities act like &#8216;bumpers in a bowling lane&#8217; to limit losses: advisor<\/a><\/li>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/11\/07\/student-loan-forgiveness-notices.html\" target=\"_blank\" rel=\"noopener\">As student loan forgiveness notices go out, here are next steps for borrowers<\/a><\/li>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/11\/06\/federal-workers-missed-paychecks.html\" target=\"_blank\" rel=\"noopener\">Federal workers at risk of missing more pay as government shutdown continues<\/a><\/li>\n<li><a href=\"https:\/\/www.cnbc.com\/2025\/10\/01\/best-financial-advisors.html\" target=\"_blank\" rel=\"noopener\">CNBC&#8217;s Financial Advisor 100: Best financial advisors, top firms for 2025 ranked<\/a><\/li>\n<\/ul>\n<p><a id=\"headline0\"\/>Roth IRA income phaseouts for 2026<\/p>\n<p>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:<\/p>\n<p>The income phaseout range for taxpayers making contributions to a Roth IRA increased to between $153,000 and $168,000 for single or head of household filing status. That&#8217;s up from between $150,000 and $165,000 in 2025. Those taxpayers can make partial Roth contributions.<\/p>\n<p>Taxpayers using either of those filing statuses can make a full Roth contribution if their MAGI is under $153,000. They cannot contribute to a Roth at all if their MAGI is above $168,000.<\/p>\n<p>For married couples filing jointly, the income phase-out range increased to between $242,000 and $252,000, up from between $236,000 and $246,000 for 2025. Those taxpayers can make partial Roth contributions.<\/p>\n<p>Married couples filing jointly can make a full Roth contribution if their MAGI is under $242,000. They cannot contribute to a Roth at all if their MAGI is above $252,000.<\/p>\n<p>The phaseout range for married filing separately is not subject to an annual cost-of-living adjustment, according to the IRS, and remains between $0 and $10,000.<\/p>\n","protected":false},"excerpt":{"rendered":"Kseniya Ovchinnikova | Moment | Getty Images The IRS has unveiled the\u00a0Roth individual retirement account\u00a0contribution and income limits&hellip;\n","protected":false},"author":3,"featured_media":376603,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[104,7789,76,64,81,649,6764,26391,86145,139559,86146,255,12155,708,99400,53834,618,67,132,68],"class_list":{"0":"post-376602","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-breaking-news","9":"tag-breaking-news-investing","10":"tag-breaking-news-politics","11":"tag-business","12":"tag-business-news","13":"tag-estate-planning","14":"tag-financial-planning","15":"tag-government-taxation-and-revenue","16":"tag-individual-retirement-accounts","17":"tag-internal-revenue-service","18":"tag-national-taxes","19":"tag-personal-finance","20":"tag-personal-saving","21":"tag-retirement-planning","22":"tag-roth-iras","23":"tag-tax-planning","24":"tag-taxes","25":"tag-united-states","26":"tag-unitedstates","27":"tag-us"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@us\/115544056345276166","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts\/376602","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/comments?post=376602"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts\/376602\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/media\/376603"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/media?parent=376602"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/categories?post=376602"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/tags?post=376602"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}