What is the Roth IRA contribution limit for 2026?

In 2026, you can contribute up to $7,000 to a Roth IRA ($8,000 if age 50+). Income limits apply: single filers with MAGI above $150,000 begin phasing out, with full ineligibility above $165,000. Married filing jointly phaseout begins at $236,000 and ends at $246,000. If you exceed the limit, explore the backdoor Roth IRA strategy. Contributions can be made until the tax filing deadline (typically April 15) for the prior year.