what is the annual income cut off for contributing to a roth?
For 2026, the Roth IRA income cutoff for a full contribution is generally MAGI under $153,000 for single filers and under $242,000 for married filing jointly. If you file married separately and lived with your spouse at any time during the year, the limit is much lower and phase-out rules can apply.
2026 income limits
| Filing status | Full Roth IRA contribution allowed if MAGI is below |
|---|---|
| Single | $153,000 | [2]
| Married filing jointly | $242,000 | [2]
| Married filing separately | Varies; usually the phase-out is very limited if you lived with your spouse at any time during the year | [7][2]
What this means
If your income is above those full-contribution limits, you may still be able to make a partial Roth IRA contribution depending on your exact MAGI and filing status. Roth IRA eligibility is based on modified adjusted gross income, not just gross salary.
Contribution amount
For 2026, the total contribution limit across all your traditional and Roth IRAs is $7,500 , or $8,600 if you’re age 50 or older.
TL;DR
The main cutoff is $153,000 single / $242,000 married filing jointly for a full Roth IRA contribution in 2026.
