免费IRA缴款计算器
确定IRA账户最佳缴款金额，了解缴款限额和税务优惠。
Maximum IRA Contribution
$7,000
Maximum IRA Contribution vs Your Age
公式
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.
计算示例
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
常见问题
What if my income is too high for a Roth IRA?
You can use a "backdoor Roth" strategy: contribute to a Traditional IRA (non-deductible) then convert to Roth. Consult a tax professional for details.
Can I contribute to both a 401(k) and IRA?
Yes, the limits are separate. You can max out both. However, Traditional IRA deductibility may be limited if you have a workplace plan.
What is the deadline for IRA contributions?
You can contribute for the prior tax year up until the tax filing deadline (usually April 15). No extensions apply.
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