Retirement Center
How to Contribute to Your IRA
For the 2025 tax year, your total contributions to all of your Traditional and Roth IRAs cannot be more than $7,000 ($8,000 if you're age 50 or older), or your taxable compensation for the year, if your compensation was less than this dollar amount. For the 2026 tax year, your total contributions to all of your Traditional and Roth IRAs cannot be more than $7,500 ($8,600 if you’re age 50 or older), or your taxable compensation for the year, if your compensation was less than this dollar amount.
The SEP IRA contribution limit is the lesser of 25% of your compensation or $70,000 for 2025 and $72,000 for 2026.
For more information about contribution limits for IRAs and other retirement plans, review our chart on Retirement Plan Limits.
For a convenient list of Harbor's fund numbers and ticker symbols, download this simple one-page guide.
Learn more about IRAs
Are you new to IRAs? Or maybe you have questions about the changes to the rules regarding Traditional vs. Roth IRAs? What's the difference? Find out below.
Traditional vs. Roth IRAs ‑ Read this short document to learn the basic differences between the two types of IRAs, and help you decide which is the right option for you.
Harbor Capital and its associates do not provide legal or tax advice.
Any tax‑related discussion contained in this material, including any attachments/links, is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding any tax penalties or (ii) promoting, marketing, or recommending to any other party any transaction or matter addressed herein. Please consult your independent legal counsel and/or tax professional regarding any legal or tax issues raised in this material.