IRA Contribution Calculator

2026 rules

Find out how much of a traditional IRA contribution you can deduct for 2026.

Your numbers

Filing status

Modified AGI

Your age at the end of 2026

Earned income

You have a workplace retirement plan

Result

Deductible traditional IRA contribution$0

2026 contribution limit for you$8,600
Deduction phase-out$81,000 – $91,000
Deductible amount$0
Nondeductible (after-tax) amount$8,600
Roth IRA allowed instead$8,600

Report a nondeductible contribution on Form 8606 so you are not taxed on it again later.

How it works

Anyone with earned income can contribute up to $7,500 ($8,600 at 50 or older). Whether it's deductible depends on workplace plans. With no plan at work for you or your spouse, the whole contribution is deductible.

If you have a workplace plan, the deduction phases out between $81,000 and $91,000 of MAGI single, or $129,000 and $149,000 joint. If only your spouse has one, it phases out between $242,000 and $252,000.

2026 figures: IRS Rev. Proc. 2025-32 (2026 inflation adjustments); IRS Notice 2025-67 (2026 retirement plan limits); CMS 2026 Medicare Parts A & B premiums and deductibles.

Questions

Is a nondeductible IRA contribution worth it?

Mostly as the first step of a backdoor Roth. Left in a traditional IRA, the earnings are taxed as income later, which is worse than a taxable account for many investors.

Does a spouse without income get a limit?

Yes. A spousal IRA lets a non-working spouse contribute up to the same limit if you file jointly and the couple has enough earned income.