For 2026, the maximum annual contribution to an Individual Retirement Account (IRA) is:

• $7,500 if you are under age 50
• $8,600 if you are age 50 or older (includes a $1,100 catch-up contribution

This limit is combined across all IRAs, including both Traditional IRA and Roth IRA accounts.

You cannot contribute more than your earned income for the year.

Last updated 3/11/2026