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Roth IRA eligibility
2026 figures · nothing you type leaves your browser
How it works
In 2026 you can put up to $7,500 in IRAs ($8,600 at 50 or older). The Roth amount shrinks across the income range for your filing status and reaches zero at the top of it. Above the range, a backdoor Roth — a non-deductible traditional IRA contribution converted to Roth — gets the same money in, as long as you have no other pre-tax IRA balances (the pro-rata rule).
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