Roth IRA Income Cap Keeps Rising—But Not Fast Enough for High Earners

The Roth IRA income limit climbs to $153,000 for single filers in 2026, up from $150,000. Yet real wage growth in expensive cities has outpaced this ceiling, leaving younger finance and tech professionals shut out. The phaseout range hasn't caught up. A backdoor Roth conversion—a legal workaround—remains available, but the structural gap persists.