2025 and 2026 Roth IRA Contribution Limits
Open a Schwab Roth IRA and take advantage of after-tax benefits as you save for retirement. With clear contribution limit guidance and tax-free growth potential, you can build a retirement strategy with confidence. Learn more about Roth IRA contribution limits below.
How much can I contribute to my Roth IRA?
Roth IRA contributions are made on an after-tax basis or through a 529 rollover*. Your eligibility to contribute to a Roth IRA is based on your income level.
The maximum total annual contribution for all your IRAs combined is:
- Tax Year 2026 - $7,500 if you're under age 50/$8,600 if you're age 50 or older.
- Tax Year 2025 - $7,000 if you're under age 50/$8,000 if you're age 50 or older.
For single filers, in 2026, your Modified Adjusted Gross Income (MAGI) must be under $153,000 to make a full Roth IRA contribution.
For joint filers, in 2026, your Modified Adjusted Gross Income (MAGI) must be under $242,000 to make a full Roth IRA contribution.
*With the passage of SECURE 2.0 Act, effective 1/1/2024, you may be eligible to contribute to your Roth IRA using 529 rollover assets. Traditional IRAs do not qualify for this option. Consult with your tax advisor for guidance on your eligibility.
Roth IRA Contribution Limits (Tax Year 2025)
Roth IRA Contribution Limits (Tax Year 2025)
|
Single Filers (MAGI) |
Married Filing Jointly (MAGI) | Married Filing Separately (MAGI) | Maximum Contribution for individuals under age 50 | Maximum Contribution for individuals age 50 and older |
|
under $150,000
|
under $236,000
|
$0
|
$7,000
|
$8,000
|
|
$151,500
|
$237,000
|
$1,000
|
$6,300
|
$7,200
|
|
$153,000
|
$238,000
|
$2,000
|
$5,600
|
$6,400
|
|
$154,500
|
$239,000
|
$3,000
|
$4,900
|
$5,600
|
|
$156,000
|
$240,000
|
$4,000
|
$4,200
|
$4,800
|
|
$157,500
|
$241,000
|
$5,000
|
$3,500
|
$4,000
|
|
$159,000
|
$242,000
|
$6,000
|
$2,800
|
$3,200
|
|
$160,500
|
$243,000
|
$7,000
|
$2,100
|
$2,400
|
|
$162,000
|
$244,000
|
$8,000
|
$1,400
|
$1,600
|
|
$163,500
|
$245,000
|
$9,000
|
$700
|
$800
|
|
$165,000 & over
|
$246,000 & over
|
$10,000 & over
|
$0
|
$0
|
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Roth IRA Contribution Limits (Tax year 2026)
Roth IRA Contribution Limits (Tax year 2026)
| Single Filers (MAGI) | Married Filing Jointly (MAGI) | Married Filing Separately (MAGI) | Maximum Contribution for individuals under age 50 | Maximum Contribution for individuals age 50 and older |
| under $153,000 | under $242,000 | $0 | $7,500 | $8,600 |
| $154,500 | $243,000 | $1,000 | $6,750 | $7,740 |
| $156,000 | $244,000 | $2,000 | $6,000 | $6,880 |
| $157,500 | $245,000 | $3,000 | $5,250 | $6,020 |
| $159,000 | $246,000 | $4,000 | $4,500 | $5,160 |
| $160,500 | $247,000 | $5,000 | $3,750 | $4,300 |
| $163,000 | $248,000 | $6,000 | $3,000 | $3,440 |
| $164,500 | $249,000 | $7,000 | $2,250 | $2,580 |
| $166,000 | $250,000 | $8,000 | $1,500 | $1,720 |
| $167,500 | $251,000 | $9,000 | $750 | $860 |
| $168,000 & over | $252,000 & over | $10,000 & over | $0 | $0 |
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Common questions about Roth IRA contribution limits
For single filers, in 2025 your Modified Adjusted Gross Income (MAGI) must be under $150,000. In 2026 your MAGI must be under $153,000 to make a full Roth IRA contribution.
For joint filers, in 2025 your Modified Adjusted Gross Income (MAGI) must be under $236,000. In 2026 your MAGI must be under $242,000 to make a full Roth IRA contribution.
Yes, you can contribute to an IRA for unemployed non-working spouse that you file jointly with, but your total combined contribution can't exceed either your joint taxable income or double the annual IRA limit, whichever is less.
Minors can contribute to an IRA based only on the limits of their own earned income, and not that of their parents.
The deadline to contribute to your Roth IRA is typically April 15 of the following tax year. However, it is better to contribute earlier rather than later, so you can take advantage of tax-free growth potential for a longer period of time.
The easiest Roth IRA provider for you may be one that offers a simple account-opening process, flexible funding options, and tools that help you contribute consistently throughout the year. A Roth IRA from Schwab can be a strong option for investors who want clear information about 2026 contribution limits and income eligibility so they can plan contributions with more confidence.
When comparing Roth IRA providers, look for features that make it simple to contribute consistently and monitor your progress toward the annual limit. It's also important to choose a provider that clearly explains income eligibility rules and contribution limits, so you can avoid overcontributing and adjust your plan as needed.
If you contribute more than the allowed Roth IRA amount, you could face taxes or IRS penalties if the extra contribution is not corrected on time. Roth IRA eligibility and contribution limits depend on your income and the annual IRS rules, so it's a good idea to review the current limits and consider speaking with a tax advisor if you think you may have overcontributed.
