See how much you can contribute to your Roth IRA in 2026, factoring in age 50+ catch-up contributions and the MAGI phase-out. Real IRS limits, no signup required.
Adds $1,000 catch-up if 50+.
Phase-out: $150k–$165k
$7,000 remaining
Of $7,000 allowed for 2026 ($7,000 base). Already contributed $0.
| Year | Under 50 | 50 and over |
|---|---|---|
| 2026 | $7,000 | $8,000 |
| 2025 | $7,000 | $8,000 |
| 2024 | $7,000 | $8,000 |
| 2023 | $6,500 | $7,500 |
| 2022 | $6,000 | $7,000 |
| 2021 | $6,000 | $7,000 |
| 2020 | $6,000 | $7,000 |
The Roth IRA is one of the best deals in US retirement — you contribute after-tax dollars, and qualified withdrawals (after age 59½ and a 5-year holding period) come out tax-free, including all the growth. But the IRS caps annual contributions, phases them out at higher incomes, and stacks penalties on over-contributions: 6% per year on every dollar above the limit, until you fix it.
That's why tracking matters. If you contribute $7,000 in February and your year-end MAGI ends up over the phase-out range, you'll owe excess-contribution penalties unless you withdraw the over-contribution before the tax-filing deadline. If you and your spouse coordinate IRAs separately, it's easy to double-up by accident. And if you switch jobs mid-year, your prior 401(k) rollover doesn't reduce your IRA room, but a sloppy custodian might tag it wrong.
This page does the math, but the actual tracking is what matters once you start using your account. WealthWatch links to Fidelity, Schwab, Vanguard, M1, and most other US brokers, pulls every contribution and conversion automatically, and applies the right limit per year (including catch-ups and phase-outs) so you always know how much room is left.
Plus the same dashboard tracks your Traditional IRA, 401(k), HSA, and 529 plans, with foreign-currency math for dividends from international holdings and tax-aware projections for capital gains and qualified dividends.
The 2026 Roth IRA contribution limit is $7,000 for individuals under 50, or $8,000 if you're 50 or older (the extra $1,000 is the catch-up contribution).
For 2026, single filers can contribute the full amount up to a Modified Adjusted Gross Income (MAGI) of $150,000, with a phase-out up to $165,000. Above that, you can't contribute directly. Married filing jointly: full contribution up to $236,000 MAGI, phase-out to $246,000.
Yes, but the combined contribution across both can't exceed the annual limit ($7,000 in 2026, or $8,000 if you're 50+). The MAGI phase-out only applies to Roth contributions.
A backdoor Roth IRA is when high-income earners (above the MAGI limit) contribute to a Traditional IRA non-deductibly, then convert it to a Roth. There's no income cap on conversions. Watch out for the pro-rata rule if you have other pre-tax IRA balances.
You have until April 15, 2026 (the federal tax filing deadline) to make a Roth IRA contribution that counts toward the 2025 tax year.
Yes — you can always withdraw your contributions (not earnings) tax-free and penalty-free at any age. Earnings withdrawn before age 59½ may be subject to taxes and a 10% penalty unless an exception applies.
Connect your Fidelity, Schwab, Vanguard, or any other US broker. WealthWatch tracks Roth IRA, Traditional IRA, 401(k), HSA, and 529 contributions against the actual IRS limits — including catch-ups and phase-outs — so you never over-contribute.