This article on maximum IRA contributions has been updated with information for the 2025 and 2026 tax years. The IRS has announced the 2026 maximum IRA contribution limit, which is the max that individuals can contribute to their IRAs in a given calendar year. The 2026 maximum IRA contribution limit will be $7,500, an increase of $500 over the 2025 maximum IRA contribution limit. Read on for expanded details, as some income limits, the catch-up contribution, and other details have changed. Similar to 401Ks, the maximum IRA contribution limit is set annually by the IRS and it is the limit
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