What is the official annual allowance?
| Item | 2026 figure |
|---|---|
| Regular IRA contribution limit | $7,500 |
| Catch-up allowance, age 50 or older | $1,100 |
| Combined limit, age 50 or older | $8,600 |
IRS: official 2026 contribution limits · as of 2026-11-11
IRS Publication 590-A (2025) · as of 2026-11-11
The contribution cannot generally exceed eligible taxable compensation, subject to the spousal IRA rules. The annual allowance is shared across regular traditional and Roth IRA contributions. Opening a self-directed account for bullion does not create a separate limit.
These figures concern contributions for the labelled tax year. Publication 590-A is a 2025 publication with an explicit “What’s New for 2026” section; the IRS announcement separately confirms the 2026 amounts. Do not use a prior-year worksheet’s dollar entries without checking its year.
IRS Publication 590-A (2025) · as of 2026-11-11
IRS: official 2026 contribution limits · as of 2026-11-11
Which income ranges restrict direct Roth contributions?
| Filing status | Phase-out range |
|---|---|
| Single or head of household | $153,000–$168,000 |
| Married filing jointly | $242,000–$252,000 |
| Married filing separately, lived with spouse during the year | $0–$10,000 |
IRS: official 2026 contribution limits · as of 2026-11-11
IRS Publication 590-A (2025) · as of 2026-11-11
A phase-out range is not an additional contribution allowance. Use the IRS calculation for a reduced permitted contribution. Married people filing separately who did not live with their spouse at any time during the year fall under different treatment described in Publication 590-A.
IRS Publication 590-A (2025) · as of 2026-11-11
Does the annual allowance cap a conversion?
The regular annual contribution limit does not apply to a traditional-to-Roth conversion. The conversion may produce taxable income and separate early-distribution consequences. It should not be recorded as an ordinary cash contribution merely because the destination is a Roth IRA.
Likewise, moving an existing Roth IRA to a new custodian is not a way to claim another regular contribution allowance. Identify contributions, direct transfers and conversions separately on the paperwork.
IRS Publication 590-A (2025) · as of 2026-11-11
Inside the Roth IRA: custodian-held cash or eligible metals
IRS Publication 590-A (2025) · as of 2026-11-11
IRS: collectibles and metal exceptions · as of 2026-11-11
Does a provider minimum change the IRS allowance?
Goldco’s published general rollover minimum is $25,000. This is a provider requirement, not an IRS contribution limit or a conversion threshold. The word “generally” matters: confirm the actual terms before transferring an account.
Goldco IRA FAQs · as of 2026-10-29
A commercial funding requirement is not permission to contribute above an IRS limit. Ask the provider which existing-account transfer or conversion route it is describing, and obtain tax advice on the actual transaction where needed. This page provides general rules, not an individual eligibility determination.
IRS Publication 590-A (2025) · as of 2026-11-11
Request the provider’s information.
Goldco’s kit explains its offering. Confirm the custodian, metal eligibility, written fees and the tax treatment of your own transaction before acting.
Request the Goldco kitWe may earn a commission if you request a kit or open an account. It does not change what you pay. This is general information, not financial or tax advice.