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Four-panel full-color educational finance comic. Panel 1: Roth IRA 2026 phase-out chalkboard. Panel 2: singles and heads of household jar $153,000 to $168,000. Panel 3: married filing jointly jar $242,000 to $252,000. Panel 4: ceiling not advice sticky.
Four panels: Roth 2026 chalkboard, singles/HoH jar $153k–$168k, MFJ jar $242k–$252k, ceiling-not-advice. Educational only. · Comic: Topics / Drew’s Comic Newsroom. Source: IRS.

Finance

IRS lifts 2026 Roth IRA contribution phase-out ranges

What happened

The IRS newsroom summary of 2026 retirement COLA changes lifts the income phase-out range for Roth IRA contributions to between $153,000 and $168,000 for singles and heads of household, up from between $150,000 and $165,000 for 2025. For married couples filing jointly, the range rises to between $242,000 and $252,000, up from between $236,000 and $246,000. For a married individual filing a separate return who contributes to a Roth IRA, the phase-out is not subject to an annual COLA and remains between $0 and $10,000. Those are published AGI rails for who can still put new dollars into a Roth under the 2026 tables — not targets and not advice to contribute anything.

The same notice also lists other 2026 lids this desk has filed on other days — 401(k) elective deferrals at $24,500, IRA contributions at $7,500, Saver’s Credit AGI ceilings — but today’s jar is only the Roth contribution phase-outs. Notice 2025-67 carries the detailed tables; the newsroom page is the source URL for this package. Educational finance only. No tickers. No “max this.” Ceilings, not a recommendation.

Educational finance here labels published caps so a reader can find them on IRS.gov instead of on a slideshow. The comic is two filing-status jars, a Roth chalkboard, and a sticky that says ceiling not advice. Color on the jars and the chalk. White gutters.

Why it matters

A phase-out range is a different animal from a contribution limit. Prior days filed Saver’s Credit, SIMPLE, SEP, and 401(k) numbers. Today’s board is who can still look at a Roth contribution under the 2026 income lines. Readers get the three ranges as the IRS prints them: singles/HoH $153k–$168k, MFJ $242k–$252k, MFS $0–$10k. Keep politics out. Keep the source URL on the page.

Conclusion

For 2026, Roth IRA contribution phase-outs are $153,000–$168,000 for singles and heads of household, $242,000–$252,000 for married filing jointly, and $0–$10,000 for married filing separately, as the IRS newsroom prints them. Source: https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500

Source: IRS