Free IRA Contribution Calculator
Determine how much you can contribute to a Traditional or Roth IRA based on your age, income, and filing status.
USD
Maximum IRA Contribution
$7,000
Catch-Up Amount (50+)$0
Maximum IRA Contribution vs Your Age
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)
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.
Example Calculation
Age 35, single, $120,000 MAGI.
- 01Base limit for under-50 = $7,000
- 02Single phase-out range: $150,000 − $165,000
- 03MAGI $120,000 is below $150,000
- 04Full contribution allowed: $7,000
Frequently Asked Questions
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