2026 IRA / Roth contribution limit for your situation — including the Roth MAGI phase-out and traditional-deduction phase-out (if covered by a workplace plan).

2026 IRA / Roth contribution limit for your situation — including the Roth MAGI phase-out and traditional-deduction phase-out (if covered by a workplace plan).

Payment: x402 ($0.05 USDC on eip155:8453). Call unpaid to receive an HTTP 402 with requirements, then retry with the PAYMENT-SIGNATURE header. Method: limit = $7,500 + $1,100 (age 50+); Roth/traditional reduced pro-rata across the 2026 MAGI phase-out range, IRS $10 rounding, $200 floor