Money in One Chart

where money goes

A raise this year might quietly close a door on your Roth IRA.

The income lines moved for 2026. If a raise or a bonus pushes you into the range, the contribution you already made becomes paperwork.

You asked for the phase-out card. It is below, as the slides from the post, then the one move, then the tool the chart points at.

Slide 1 of 7: A raise this year might quietly close a door on your Roth IRA.Slide 2 of 7: The 2026 Roth IRA income ranges, by filing status.Slide 3 of 7: Below the line, anyone with earned income can contribute this much for 2026.Slide 4 of 7: A raise or a bonus can push your income into the range after the money is already in the account.Slide 5 of 7: If you are nowhere near those numbers, this post is not a warning for you.Slide 6 of 7: Two steps before you contribute.Slide 7 of 7: Save this for the year you get the raise.

Two steps before you contribute.

  1. 01
    Estimate this year's income, salary plus bonus, roughly.Precision is not needed. You only need to know which side of the range you are on.
  2. 02
    Compare it to the range for your filing status.Below it, contribute. Inside it, look up the partial rule before you do.

The tool this chart points at

A low-fee brokerage

For the IRA, the index fund and the rollover. Broad index funds with expense ratios under 0.1%.

Open it

This link may pay Money in One Chart a referral fee if you open an account. Your price does not change. How that works.

Sources: IRS IR-2025-111, November 13, 2025; IRS IR-2025-111.

All four tools   Back to Instagram