Quick answer. For 2026, the combined traditional and Roth IRA contribution ceiling is $7,500, or $8,600 if you are 50 or older. The maximum also depends on taxable compensation. Roth eligibility and traditional IRA deductibility can depend on income and workplace retirement-plan coverage.
Why this matters
A retirement-account decision can affect taxes, liquidity, custody, fees and the ability to change providers. Understanding the mechanics comes before deciding whether digital assets belong in an IRA.
Worked example
A 55-year-old with $10,000 of qualifying compensation could generally contribute no more than $8,600 across traditional and Roth IRAs combined, subject to other eligibility rules. A rollover does not use this annual contribution allowance.
Questions to ask before acting
- What account or plan type do I have today?
- What are the full dollar costs, including less visible fees?
- What tax or distribution consequences could apply?
- Which entity is responsible for custody and account records?
- Can I reverse or change the decision, and what will that cost?
Important limitation
Do not mistake a $100,000 rollover for a $100,000 annual IRA contribution.
Related resources
Primary reference
Educational information only. Not individualized tax, legal or investment advice.