IRA Contribution Limit Methodology (2026)
This methodology documents the annual IRA contribution limits used in our 2026 IRA guide. It covers standard and catch-up contributions and clarifies that limits are combined across all IRAs.
Values used (2026)
- Standard IRA limit: $7,500
- Catch-up (age 50+): $1,100
- Combined limit: applies across Traditional + Roth IRAs
Scope and exclusions
- This page documents limits only; it does not compute personalized tax outcomes.
- Eligibility for Roth contributions is governed by separate income-based rules.
- Deadlines and special cases can vary; consult a professional for personalized advice.