IRA & Roth IRA Contribution Calculator
Check your 2026 IRA contribution limit, Roth IRA eligibility by income, and Traditional IRA deduction phase-out.
Your Age
Filing Status
Modified AGI (MAGI)
$
Workplace Plan Coverage (for Traditional IRA deduction)
2026 Contribution Limit
$7,500
Roth IRA — amount you can contribute
$7,500
Fully eligible — your MAGI is below the phase-out range.Traditional IRA — deductible amount
$750
Phases out between $81,000 and $91,000 MAGI since you're covered by a workplace plan.How this calculator works
The IRS caps how much you can contribute to an IRA each year, and separately limits who gets the tax benefits based on income. A Roth IRA's contribution eligibility phases out entirely above a MAGI ceiling. A Traditional IRA is always open to contribute to, but the deduction phases out once you (or your spouse) are covered by a workplace retirement plan and your income crosses the relevant range — outside that range, contributions are still allowed, just as non-deductible (after-tax) contributions.
2026 limits
Base contribution limit: $7,500
Catch-up (age 50+): additional $1,100, for a total of $8,600
This limit is shared across all your IRAs combined (Traditional + Roth), not per account.
Common Use Cases
- Checking whether your income is too high for a direct Roth IRA contribution this year.
- Deciding between a Traditional and Roth IRA based on whether the Traditional deduction actually applies to you.
- Planning a "backdoor Roth" when direct Roth contributions are phased out.
- Confirming your exact contribution limit once you turn 50.
FAQs
What if my Roth contribution is limited — can I still contribute the rest to a Traditional IRA?
Yes. The $7,500 limit is a combined cap across Traditional and Roth IRAs, not a separate limit for each. If you're phased out of a full Roth contribution, you can split the remainder into a Traditional IRA (deductible or not, depending on your coverage situation).
What's a "backdoor Roth"?
If your income is above the Roth phase-out, you can still contribute to a Traditional IRA (non-deductible if you're covered by a workplace plan and over the deduction limit) and then convert it to a Roth IRA — there's no income limit on conversions, only on direct contributions. This has tax implications if you hold other pre-tax IRA balances (the pro-rata rule); consult a tax professional before doing this.
Is this exact to the dollar?
The phase-out uses the IRS's standard linear reduction rounded down to the nearest $10, with the $200 minimum once any amount survives — the same method the IRS worksheet uses. Always confirm your exact allowed contribution using IRS Publication 590-A or a tax professional before filing.