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What are the contribution limits for a SIMPLE Roth IRA?

SIMPLE Roth IRA contribution limits are the same as traditional SIMPLE IRA limits. These limits apply to the combined total of Roth and pre-tax salary deferrals.

For 2026, IRS limits include:

• $17,000 for most SIMPLE IRA plans

• $18,100 for certain eligible plans under SECURE 2.0

Catch-up contributions:

• $4,000 for participants age 50 or older

• $5,250 for participants age 60 to 63 under special SECURE 2.0 rules

These limits apply to total SIMPLE salary deferrals, not separately to Roth and traditional contributions.