Know the 2026 IRA contribution limits before you fund one
Added
If you contribute to a traditional or Roth IRA for 2026, the IRS caps total contributions across all your IRAs. Age 50 and older can add a catch-up. You cannot contribute more than your taxable compensation for the year, and rollovers do not count toward the limit. Check the IRS page for Roth income phaseouts if you want a Roth.
The result
Result: IRS: for 2026, total contributions to all traditional and Roth IRAs cannot exceed $7,500, or $8,600 if you are age 50 or older, or your taxable compensation if that amount is lower.
Note: Not tax advice. Rules change and depend on your situation; confirm with the IRS or a tax professional.
Source
IRS: Retirement topics - IRA contribution limits (opens the original source in a new tab). Check it for the latest numbers before you act.