When the IRS raises the limits, smart investors don’t just contribute…they double down. 

Traditional & Roth IRA limits (aggregated): 

  • 2025 IRA limit: $7,000 (or $8,000 if 50+) 
  • 2026 IRA limit: $7,500 (or $8,600 if 50+) 
  • You have until April 15, 2026, to fund your IRA for 2025. 

      Stack the odds in your favor. How bet on yourself: 

      • Double up: Make both 2025 and 2026 contributions, up to $14,000–$16,600 in potential funding. 
      • Be a high roller: Married couples supercharge this strategy when both spouses make their maximum contributions. 
      • Ante up: The sooner you contribute, the more time the IRA has to potentially grow. 

      This isn’t luck, it’s strategy. And one of the simplest, highest impact moves you can make right now.  

      Advisors & Planners:

      Don’t roll the dice waiting. Call your clients and secure their 2025 and 2026 IRA contributions while the window is open.

      See our 2025 IRA Overview Fact Sheet and 2026 IRA Overview Fact Sheet for more detailed information on Traditional and Roth IRA contribution limits.

      About the Author: Cathleen Davis-Whitmore is the Chief Marketing Officer at Financial Cloud Works, LLC. With a robust 21-year tenure in the financial industry, she has become an Individual Retirement Account (IRA) subject matter expert, offering unparalleled sales and marketing strategies coupled with technical acumen to a diverse clientele including financial advisors, CPAs, and estate planning attorneys.

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