The contribution limits for your Traditional IRAs and Roth IRAs combined, across all financial institutions, are as follows:
2026 Annual Contribution Limits
$7,500 for individuals under age 50
$8,600 for individuals age 50 or older (includes a $1,100 catch-up contribution)
2025 Annual Contribution Limits
$7,000 for individuals under age 50
$8,000 for individuals age 50 or older (includes a $1,000 catch-up contribution)
Contribution to Traditional IRAs
You can contribute up to the lesser of your earned income for the year or the annual contribution limit.
Contribution to Roth IRAs
Your eligibility to contribute to a Roth IRA depends on your Modified Adjusted Gross Income (MAGI):
2026 Tax Year Roth IRA Income Limits
Filing Status: Single or Head of Household
Modified Adjusted Gross Income (MAGI) | Contribution Limit (Under age 50) | Contribution Limit (Age 50 or older) |
$153,000 or less | $7,500 | $8,600 |
$153,000 to $168,000 | Partial contribution | Partial contribution |
≥$168,000 | Not eligible | Not eligible |
Filing Status: Married Filing Jointly
Modified Adjusted Gross Income (MAGI) | Contribution Limit (Under age 50) | Contribution Limit (Age 50 or older) |
<$242,000 | $7,500 | $8,600 |
≥ $242,000 but <$252,000 | Partial contribution | Partial contribution |
≥$252,000 | Not eligible | Not eligible |
Filing Status: Married Filing Separately
Modified Adjusted Gross Income (MAGI) | Contribution Limit (Under age 50) | Contribution Limit (Age 50 or older) |
<$10,000 | <$10,000 | Partial contribution |
Partial contribution | Not eligible | Not eligible |
2025 Tax Year Roth IRA Income Limits
Filing Status: Single or Head of Household
Modified Adjusted Gross Income (MAGI) | Contribution Limit (Under age 50) | Contribution Limit (Age 50 or older) |
$153,000 or less | $7,000 | $8,000 |
$150,000 to $165,000 | Partial contribution | Partial contribution |
≥$165,000 | Not eligible | Not eligible |
Filing Status: Married Filing Jointly
Modified Adjusted Gross Income (MAGI) | Contribution Limit (Under age 50) | Contribution Limit (Age 50 or older) |
<$236,000 | $7,000 | $8,000 |
≥$236,000 but <$246,000 | Partial contribution | Partial contribution |
≥$246,000 | Not eligible | Not eligible |
Filing Status: Married Filing Separately
Modified Adjusted Gross Income (MAGI) | Contribution Limit (Under age 50) | Contribution Limit (Age 50 or older) |
<$10,000 | Partial contribution | Partial contribution |
<$10,000 | Not eligible | Not eligible |
What is the deadline for making IRA contributions?
You can make contributions for a given tax year until the tax filing deadline, which is typically April 15 of the following year (e.g., April 15, 2026 for 2025 contributions).
How do I make a contribution?
Follow these steps to make a contribution:
On the Crypto.com App home screen, tap IRAs from the main menu
Tap Deposit > Cash contribution
Enter the amount you want to contribute
Select your deposit method
Follow the on-screen instructions to confirm your transaction
Can I contribute using Instant Deposit, and what is the limit?
You are eligible to contribute with Instant Deposit if:
You have no cryptocurrency purchase chargebacks within the last 120 days
You have no Instant Deposit returns within the last 90 days
Learn more about the Instant Deposit feature.
The weekly IRA Instant Deposit limit is $7,500. Please note that overall daily and monthly Instant Deposit limits may also apply.
To contribute using Instant Deposit, you can choose your linked bank account to fund your contribution.
If you’ve already funded your USD Cash Account with Instant Deposit, you can choose your USD Account to fund your contribution and your Cash Account balance will be used first, followed by your Instant Deposit.
Learn more here.
What is recharacterization of contribution?
A recharacterization allows you to treat a regular contribution made to a Roth IRA or to a Traditional IRA as having been made to the other type of IRA. The IRS requires the recharacterization to include not only the contribution amount, but also the earnings.
If the recharacterization is done before the due date for filing your tax return, the contribution will be treated as made to the second IRA for that year.
How do I recharacterize a contribution?
To recharacterize a contribution (for example, from a Traditional IRA to a Roth IRA or vice versa), please contact our Customer Support team. They will guide you through the necessary steps and assist in calculating the amount to be recharacterized.
How do I remove excess contributions?
If you’ve contributed more than the IRS limit for the year across all financial institutions, you’ll need to remove the excess to avoid penalties. Please reach out to Customer Support for assistance with this process.
Can I make spousal contributions?
Yes. Contributions can be made by a working spouse to fund an IRA for a spouse with little or no earned income to help both partners build retirement savings.
To qualify for a spousal contribution, two conditions must be met:
Married Filing Jointly: A joint federal tax return must be filed for the relevant tax year
Sufficient Earned Income: The working spouse’s earned income must be enough to cover the total contributions made to both IRAs
To make a spousal contribution, please have your non-working spouse set up the Crypto.com IRAs under their name and contribute to it. Please make sure you file the joint tax return and report the contribution made to your non-working spouse’s account.
If you have any questions, please contact our Customer Support team anytime on the Crypto.com App menu > Support > Contact Support. Our IRA Customer Support live chat team is there on Monday to Friday 8am - 6pm ET.