US Finance
Roth IRA 2026: Contribution Limits, Income Phase-Outs & Who Qualifies
The IRS has set the 2026 Roth IRA contribution limit at $7,500 for savers under 50 and $8,600 for those 50 and older. But the limit is only part of the story — income phase-outs determine whether you can contribute at all. Here are the exact thresholds, the math on tax-free compounding, and how Roth compares to Traditional IRA over a 30-year horizon.