Updated · Built and checked by the PlinzoTools team, formulas tested against published sources
Look up your Traditional/Roth IRA contribution limit for the current tax year, based on your age.
This tool looks up your combined Traditional + Roth IRA contribution limit for the 2026 tax year based on your age: $7,500 standard, or $8,600 with the 50+ catch-up (now itself inflation-indexed under SECURE 2.0, no longer a flat $1,000). This is the combined limit across both account types -- contributing to both a Traditional and a Roth IRA in the same year still shares this one limit. Source: IRS press release IR-2025-111.
Enter your age as of December 31 this year. Your applicable IRA contribution limit appears instantly.
The calculator returns a single dollar limit based on your age, together with a label saying whether the standard limit or the 50-plus catch-up applied. It treats age 50 as the point where the catch-up is added. It does not look at your income, filing status, whether you have a workplace plan, or whether you already contributed this year, so the figure is a ceiling rather than a personal recommendation.
Catch-up eligibility is generally determined by whether you reach age 50 by the end of the calendar year. Enter the age you will be on December 31. If you turn 50 in November, use 50 even though you are 49 today.
Imagine a couple, one aged 47 and the other 52, who each have their own IRAs. The 47-year-old sees the standard limit, and the 52-year-old sees the higher limit with the catch-up. Each person has an individual limit, so a couple filing jointly can each contribute up to their own amount, provided the earnings requirement is met. Suppose the 47-year-old earns nothing but the spouse has enough taxable compensation to cover both contributions; a spousal arrangement may allow the non-earning spouse to contribute, subject to IRS rules. Check current IRS guidance to confirm eligibility in a situation like this.
The limit tells you how much you may contribute, not whether the contribution is deductible or whether you qualify for a Roth. Deductibility of Traditional IRA contributions can depend on whether you or your spouse are covered by a workplace plan and on your income. Roth eligibility phases out at higher incomes. Those thresholds are updated periodically, so consult IRS.gov or a tax professional if your income is high or you have a workplace plan. Contributing more than you are allowed can trigger an annual excise tax on the excess until it is corrected, so it is worth checking before you contribute.
Divide the limit by 12 to see a monthly contribution that reaches it, or by the number of paychecks if you fund the account from pay. If you are unable to reach the maximum, contributing what you can still helps, and the amount can be adjusted as your income changes.
No -- this shows the contribution limit only. Roth IRA eligibility phases out at higher incomes (a separate, income-based rule) -- check current IRS guidance if your income is in the phase-out range.
No. The limit is shared. Your combined contributions to both types cannot exceed the figure the tool shows.
The dollar limit does not, but Roth eligibility and Traditional deductibility can. The tool does not evaluate those.
Excess contributions can be subject to an excise tax until removed or corrected. Talk to a tax professional or check IRS guidance.
Generally the age you reach by December 31 of the tax year.
Reference: Social Security Administration