Back to GuidesRetirement
IRA Contribution Limits 2025–2026: Roth & Traditional
Annual IRA contribution limits, catch-up contributions, income limits for Roth, and deduction rules.
July 9, 20267 min readBy MyWealthForge
Key Takeaways
- 12025 limit: $7,000 ($8,000 if 50+).
- 2Roth IRA income phase-out: $150k–$165k single (2025).
- 3Traditional IRA deduction phases out if covered by workplace plan.
- 4April 15 deadline for prior tax year contributions.
IRA limits change annually — maxing your IRA after capturing the 401(k) match is step two in most retirement plans.
Choose Roth vs traditional.
Roth Income Limits
Above limit? Use backdoor Roth. Married filing separately has harsh limits.
Continue Reading
Ready to run your own numbers?
Explore All Calculators