Roth IRA Contribution Limits 2027
The IRS has not announced the 2027 limits yet. Computed from the statute and inflation data, the 2027 Roth IRA contribution limit should be $7,500 (the same as 2026), plus a $1,100 catch-up if you are 50 or older by the end of 2027 (also unchanged). Income limits rise with inflation: the single range starts at $158,000 and the joint range at $249,000 or $250,000.
Maintained by Archie Chang · Limits computed from statute and BLS data October 23, 2026 · Methodology & sources
Status: computed, not official. The IRS usually announces next year's IRA limits between late October and mid-November (the 2026 limits came out on November 13, 2025). Until then, every 2027 figure here is our computation, and this page will be updated with official numbers as soon as they are published. Watch the IRS newsroom or read the 2026 announcement for comparison. Not affiliated with the IRS; this is general information, not tax advice.
2027 Roth IRA contribution limits compared with 2026
| Limit | 2027 | 2026 (official) |
|---|---|---|
| Roth and traditional IRA combined | $7,500 | $7,500 |
| Catch-up, age 50 and older | $1,100 | $1,100 |
| Total at age 50 or older | $8,600 | $8,600 |
The limit is shared between Roth and traditional IRAs and capped at your taxable compensation. For the official 2026 numbers see 401(k) and IRA contribution limits 2026, and for workplace plans see the 401(k) contribution limits for 2027.
Roth IRA income limits for 2027
| Filing status | 2027 phase-out range | Status | 2026 (official) |
|---|---|---|---|
| Single, head of household | $158,000 to $173,000 | Computed until the IRS publishes its notice | $153,000 to $168,000 |
| Married filing jointly, qualifying surviving spouse | $249,000 to $259,000 or $250,000 to $260,000 | Computed; the two October 2025 treatments differ | $242,000 to $252,000 |
| Married filing separately, lived with spouse | $0 to $10,000 | Fixed in the statute, not indexed | $0 to $10,000 |
The limit shrinks gradually across the range and reaches zero at the top. Income here is modified AGI: adjusted gross income without Roth conversion income, with some deductions added back. Spouses who file separately and lived apart all year use the single range.
2027 Roth IRA contribution calculator
Computed from the statute, not yet confirmed by the IRS. Results update when the official 2027 limits are announced.
- Limit before the income reduction
- $7,500
- Of which age 50 catch-up
- $0
- Phase-out range (single and head of household)
- $158,000 to $173,000
Most you can put in a Roth IRA for 2027 (computed)
$6,500
Your limit is reduced by the income phase-out or capped by your compensation.
Follows IRS Publication 590-A, Worksheet 2-2, in exact arithmetic: the result rounds up to the next $10, with a $200 minimum while any part of the range remains. It assumes no traditional IRA contributions this year, which would lower the Roth limit further. For a spousal IRA, enter the couple's combined compensation minus anything the other spouse puts in their own traditional or Roth IRA for 2027.
Roth vs traditional IRA deduction rules in 2027
Roth contributions are never deductible; income decides whether you can contribute at all. A traditional IRA works the other way: anyone with compensation can contribute, but the deduction phases out if you or your spouse is covered by a workplace plan.
| Filing status | 2027 phase-out range | Status | 2026 (official) |
|---|---|---|---|
| Single or head of household, covered by a workplace plan | $83,000 to $93,000 | Computed until the IRS publishes its notice | $81,000 to $91,000 |
| Married filing jointly, contributing spouse covered | $133,000 to $153,000 | Computed until the IRS publishes its notice | $129,000 to $149,000 |
| Married filing jointly, contributor not covered but spouse is | $249,000 to $259,000 or $250,000 to $260,000 | Computed; the two October 2025 treatments differ | $242,000 to $252,000 |
| Married filing separately, lived with spouse, either covered | $0 to $10,000 | Fixed in the statute, not indexed | $0 to $10,000 |
If neither spouse is covered by a workplace plan, the deduction has no income limit.
Backdoor Roth IRA in 2027
Roth conversions have no income limit. A backdoor Roth means making a nondeductible contribution to a traditional IRA and then converting it to a Roth IRA. The contribution still counts against the $7,500 combined limit and is reported on Form 8606.
The pro-rata rule decides how much of a conversion is taxable. It counts all your traditional, SEP and SIMPLE IRA balances at year end, not just the account you convert, so pre-tax money elsewhere makes part of the conversion taxable.
Deadline to contribute for 2027
You can contribute for 2027 from January 1, 2027 until the due date of your 2027 return, without extensions. April 15, 2028 is a Saturday and Emancipation Day is observed on Monday, April 17, so the date is expected to be Tuesday, April 18, 2028. Contributions made from January 1 to that date can be assigned to either year, so tell your custodian which one.
Spousal Roth IRA
A spouse with little or no income can contribute based on the other spouse's compensation if the couple files a joint return. Each spouse has a separate limit ($7,500, or $8,600 at 50 or older), and their combined contributions cannot exceed the couple's taxable compensation. The joint income range applies to both spouses. It is computed here as $249,000 to $259,000 or $250,000 to $260,000.
Back-test: the method reproduces every official range from 2018 to 2026
Sections 408A(c)(3)(D) and 219(g)(8) index the statutory starting amounts with the section 1(f)(3) adjustment measured from 2005 and round the increase to the nearest $1,000; the range width is fixed. Against the IRS notices, all 45 year-by-range comparisons match exactly. The index is the chained CPI average for the 12 months ending August of the prior year. For 2018 the IRS still used the regular CPI-U (the notice predates the 2017 tax law); recomputing 2018 with the CPI-U gives the same four values.
| Range (lower bound, computed = official) | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Roth IRA: single, head of household | $120k | $122k | $124k | $125k | $129k | $138k | $146k | $150k | $153k |
| Roth IRA: married filing jointly, qualifying surviving spouse | $189k | $193k | $196k | $198k | $204k | $218k | $230k | $236k | $242k |
| Traditional IRA deduction: single or head of household, covered by a workplace plan | $63k | $64k | $65k | $66k | $68k | $73k | $77k | $79k | $81k |
| Traditional IRA deduction: married filing jointly, contributing spouse covered by a workplace plan | $101k | $103k | $104k | $105k | $109k | $116k | $123k | $126k | $129k |
| Traditional IRA deduction: contributor not covered, spouse covered | $189k | $193k | $196k | $198k | $204k | $218k | $230k | $236k | $242k |
BLS did not publish the CPI for October 2025, which sits in the 2027 window. We computed it with only the published months and with October filled in as the average of September and November (BLS public API, retrieved October 23, 2026). The two treatments differ only for the joint Roth range and the deduction range when only your spouse is covered, by $1,000; the calculator leads with the smaller result.
Roth IRA contribution limits 2027 questions
What is the Roth IRA contribution limit for 2027?
The IRS has not announced it yet. Computed from the statute and BLS inflation data, the 2027 limit should be $7,500, the same as 2026, plus a $1,100 catch-up if you turn 50 by December 31, 2027, for $8,600. The limit covers traditional and Roth IRAs combined.
What are the Roth IRA income limits for 2027?
Computed 2027 phase-out ranges: $158,000 to $173,000 for single filers and heads of household, and $249,000 to $259,000 or $250,000 to $260,000 for married couples filing jointly. Married filing separately stays $0 to $10,000 if you lived with your spouse. In 2026 the ranges are $153,000 to $168,000 and $242,000 to $252,000.
Is the 2027 Roth IRA limit higher than 2026?
The contribution limit is computed to stay at $7,500 because the inflation adjustment has not reached the next $500 step, and the catch-up is computed at $1,100, also unchanged, because it moves in $100 steps. The income ranges do rise with inflation.
Does the missing October 2025 inflation figure change these numbers?
BLS did not publish October 2025, which falls in the 12-month window for 2027. We computed the ranges with only the 11 published months and with October filled in as the average of September and November. The joint Roth range and the deduction range for a spouse who is not covered by a workplace plan differ by $1,000 between the two, so both are shown and the calculator leads with the smaller result; the single ranges and the IRA limit are the same either way.
How do I calculate my reduced Roth IRA contribution?
If your modified AGI is inside the phase-out range, subtract the lower bound from your income, divide by the range width, multiply by your limit and subtract that from the limit. Round up to the next $10 and use $200 if the result is below that but above zero. At or above the top of the range the Roth limit is zero. IRS Publication 590-A, Worksheet 2-2, shows the steps.
When can I contribute to a Roth IRA for 2027?
From January 1, 2027 until the due date of your 2027 tax return, not counting extensions. That date is expected to be April 18, 2028, because April 15 falls on a Saturday and Emancipation Day is observed on Monday, April 17.
Authoritative sources: IRS newsroom · IRS Notice 2025-67 (2026 limits) · IRS Publication 590-A · IRS Roth IRAs · 26 U.S.C. 408A · 26 U.S.C. 219 · BLS C-CPI-U