---
title: "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)."
method: POST
path: "/v1/retirement/ira-limits"
tags: ["Retirement"]
---

# 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).

`POST /v1/retirement/ira-limits`

## Request

- Base URL: `` (relative, and it does not resolve against the document’s source URL)
- URL: `/v1/retirement/ira-limits`
- Auth: none declared

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

## Request body

- object
  - `filingStatus` 'single' | 'mfj' | 'hoh' | 'mfs'
  - `age` number
  - `magi` number, required
  - `coveredByEmployerPlan` boolean

## Response `200`

Verified result + provenance (formula, sources, reproducible SHA-256 hash).

## Other responses

- `400`: Invalid input (no charge) — body echoes the JSON Schema.
- `402`: Payment required — PAYMENT-REQUIRED header carries the x402 accepts[] quote.

---

[API](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents.md) · [All operations](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents/llms.txt) · [OpenAPI document](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents/revisions/60cb70a3e1a5?raw)