Pathfinding Consultants

Each year, the IRS adjusts the income limits that determine whether you can contribute to a Traditional IRA (and deduct it), or contribute to a Roth IRA at all. For 2026, the IRS has updated these limits, and understanding where you fall relative to the phase-out ranges is an important first step in retirement planning. The information below is drawn directly from the IRS announcement IR-2025-111, published November 13, 2025. All figures are official IRS numbers for tax year