IR-2025-111, IRA limit increases to $7,500
IRS · checked 2026-10-04
The app uses the figures and rules named on that page. It does not replace the page.
learning · official figure · reviewed 2026-10-04
Find 2026 IRA Contribution Room
The 2026 IRA contribution limit is $7,500. The catch-up at age 50 or older is $1,100, not $1,000.
What this guide helps you do
Subtract contributions already made from the 2026 IRA limit.
The figure that changes the result
The age-50 IRA catch-up rose to $1,100 for 2026. The old $1,000 figure is the prior year.
A general reply often still quotes a $7,000 limit or a $1,000 catch-up. Checking the IRS release takes about 10 minutes.
Who this is for
A person opening or funding an IRA who needs the remaining 2026 contribution room.
Steps
Step 1
Add traditional and Roth IRA contributions you already made for 2026.
Step 2
Use $7,500 if you are under 50.
Step 3
Use $8,600 if you are 50 or older. That is $7,500 plus $1,100.
Step 4
Subtract the contributions already made.
Step 5
Check deduction and Roth income limits separately. This tool does not apply them.
Worked example
Under age 50, $2,000 already contributed leaves $5,500 of room. At age 50, the limit is $8,600, so the same $2,000 leaves $6,600.
$5,500.00 of 2026 IRA contribution room remains.
- Limit: $7,500.00.
- Contributed: $2,000.00.
- Room: $5,500.00.
The 2026 IRA contribution limit is $7,500.
Where this goes wrong
Do not treat this room as a deductible amount. A workplace plan can phase out the deduction. High income can block a Roth contribution. Those tests are not in this tool.
What the source says
Limits
The tool does not apply the 2026 deduction phase-out ranges.
It does not apply the Roth income phase-out.
A spouse's IRA is a separate contribution.
This tool gives general information. It is not financial or tax advice. Confirm the numbers with the provider or a licensed adviser before you act.
Use the current instruction from the agency named above. This guide is a planning aid, not an official decision.
Free companion app
Subtract contributions already made from the 2026 IRA limit.
Open Subtract IRA Deposits from the 2026 Limit
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