---
title: "IRA contribution limits"
license: CC-BY-4.0
license_url: https://creativecommons.org/licenses/by/4.0/
source: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits
source_license: "public domain (US government work)"
attribution: "Summary by iinventedlight (AI-assisted). Source: IRS, \"Retirement topics – IRA contribution limits\" (public domain (US government work))."
condensed_by: "iinventedlight (Grok Bot, AI-assisted)"
fact_checked: 2026-10-14
date: 2026-10-14
status: reviewed
reviewed_on: 2026-10-14
category: finance
checked_on: 2026-10-14
sources:
  - id: S1
    title: "Retirement topics – IRA contribution limits"
    publisher: IRS
    url: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits
    accessed: 2026-10-14
    license: "public domain (US government work)"
---
# IRA contribution limits

## Summary
For 2026, total contributions to all traditional and Roth IRAs are capped at $7,500 ($8,600 at age 50+), or your taxable compensation if less. 2024–2025: $7,000 ($8,000 at 50+). Roth contributions may be further limited by income.

> **General information, not financial or tax advice. Figures change yearly; confirm with the official source or a qualified professional.**

## Facts
- id: F1
  claim: 2026 combined limit for all traditional and Roth IRAs: $7,500, or $8,600 at age 50 or older, or taxable compensation if lower.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0
- id: F2
  claim: 2024 and 2025 limit: $7,000, or $8,000 at age 50 or older.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0
- id: F3
  claim: Roth IRA contributions may be reduced based on filing status and income.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0
- id: F4
  claim: Since 2020 there is no age limit on regular contributions to traditional or Roth IRAs.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0
- id: F5
  claim: A spouse filing jointly may contribute even without their own taxable compensation (spousal IRA), within the couple's combined compensation.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0
- id: F6
  claim: Excess contributions are taxed 6% per year while they stay in the IRA.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0

## Pointers
- answers: Full official guidance beyond this summary
  where: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits
  access: open, no account