What salary is too high for a Roth IRA ?

Roth IRA income limits for 2026 just changed, and if your MAGI is anywhere near six figures, this affects whether you can contribute directly at all.

If you've been contributing to a Roth IRA without checking the updated numbers, you could be setting yourself up for a costly IRS correction. In this video, we break down exactly how the 2026 Roth IRA phase-out works, who's fully eligible, who's partially limited, and who needs to use a backdoor strategy instead — explained in plain language, with real examples so you know exactly where you stand before contributing another dollar.

What you'll learn in this video:

The exact 2026 MAGI thresholds for single, head-of-household, and married filing jointly filers
How the phase-out range works (it's gradual, not a hard cutoff)
Updated contribution limits: $7,500 under 50, $8,600 for 50+ with the new inflation-indexed catch-up
Why married filing separately is treated so differently — and why the range is nearly $0
The critical difference between checking your salary vs. your actual MAGI
How to use a backdoor Roth IRA if you're phased out completely

Understanding these Roth IRA income limits before tax season can save you from an excess contribution penalty, so don't guess your eligibility based on last year's numbers or your gross salary alone. The rules shift every year with inflation, and 2026 is no exception.

Watch till the end for the full breakdown of the phase-out math and the backdoor Roth walkthrough — and if this helped clarify things, drop a like, leave your filing status in the comments, and subscribe for more updated tax and retirement planning breakdowns every year.

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