Calculadora de Aportes a IRA — Fórmula

IRA Contribution Limits

The IRS sets annual IRA contribution limits that depend on your age and income. Roth IRA contributions phase out at higher incomes.

Phase-Out Ranges (2026 estimates)

  • Single: $150,000 − $165,000 MAGI
  • Married Filing Jointly: $236,000 − $246,000 MAGI

    • If your income is below the phase-out start, you can contribute the full amount. Above the end, you cannot contribute directly to a Roth IRA.

    Ejemplo Resuelto

    Age 35, single, $120,000 MAGI.

    1. Base limit for under-50 = $7,000
    2. Single phase-out range: $150,000 − $165,000
    3. MAGI $120,000 is below $150,000
    4. Full contribution allowed: $7,000