IRA contribution limits for 2027
The IRA contribution limit for 2027 is $7,500, plus a catch-up of $1,100 if you are 50 or older.
| IRA figure | 2026 | 2027 |
|---|---|---|
| Contribution limit | $7,500 | $7,500 |
| Catch-up contribution from age 50 | $1,100 | $1,100 |
| Total from age 50 | $8,600 | $8,600 |
Roth IRA income ranges
The amount you can contribute to a Roth IRA phases out across these income ranges.
| Filing status | 2026 | 2027 |
|---|---|---|
| Single and head of household | $153,000 to $168,000 | $158,000 to $173,000 |
| Married filing jointly | $242,000 to $252,000 | $250,000 to $260,000 |
Deducting a traditional IRA contribution
If you or your spouse is covered by a retirement plan at work, the deduction for a traditional IRA contribution phases out across these income ranges.
| Your situation | 2026 | 2027 |
|---|---|---|
| Single, covered by a workplace plan | $81,000 to $91,000 | $83,000 to $93,000 |
| Married filing jointly, the contributor is covered by a workplace plan | $129,000 to $149,000 | $133,000 to $153,000 |
| Not covered, but married to someone who is | $242,000 to $252,000 | $250,000 to $260,000 |
Check our work
Every figure on this page was read from these official documents. Follow the links and compare.
- 401(k) limit increases to $25,500 for 2027, IRA limit remains $7,500Internal Revenue Service. Read on November 12, 2026.
- Notice 2026-66 (2027 amounts relating to retirement plans and IRAs)Internal Revenue Service. Read on November 12, 2026.