IRA Deduction Phase-Out Ranges for 2026

Roth IRA Income Phase-Out Ranges

For 2026, the new limits are:

• Single / Head of Household: $153,000–$168,000
• Married filing jointly: $242,000–$252,000
• Married filing separately: $0–$10,000 (unchanged)

Saver’s Credit Income Limits

The credit for moderate-income savers now phases out at:

• $80,500 for married filing jointly
• $60,375 for heads of household
• $40,250 for single filers and married filing separately

SIMPLE Plan Contribution Limits for 2026

• SIMPLE IRA regular limit: $17,000 (up from $16,500)
• Enhanced SIMPLE IRA limit (certain employers): $18,100
• Catch-up (age 50+): $4,000 or $3,850, depending on plan type
• Enhanced catch-up (ages 60–63): $5,250

What You Should Do Before January 1

To stay ahead of the changes, Barklee Financial Group recommends:

• Update your workplace retirement plan deferrals
• Log into your employer’s retirement portal to adjust your 2026 contribution percentage to match the new limits.
• If you are age 50+, review your catch-up strategy
• Because catch-up contributions must go to a Roth account for higher-earning employees, make sure your employer plan supports Roth catch-up elections.
• Revisit your retirement projections
• With contribution limits rising, now is an ideal time to confirm your savings plan aligns with your long-term retirement goals.