IRA Contribution Limits
The IRA contribution limit for 2026 is $7,500, with an additional catch-up contribution for savers age 50 or older.
2026 IRA limit
$7,500
Savers 50 or older can add an additional $1,100 catch-up. The limit is shared across traditional and Roth IRAs combined.
- Age 50+ total
- $8,600
Includes the IRA limit plus the catch-up contribution.
IRA limits by year
| Tax year | Limit | Age 50+ catch-up |
|---|---|---|
| 2026 | $7,500 | $1,100 |
IRA limit questions
What is the IRA contribution limit?
For 2026, the IRA contribution limit is $7,500.
Are Roth IRA and traditional IRA limits separate?
No. The annual IRA contribution limit generally applies across traditional and Roth IRAs combined.
What is the IRA catch-up contribution?
For 2026, people age 50 or older can contribute an additional $1,100.
Related resources
Last updated . Source: IRS retirement plan contribution limits.