IRA Excess Contribution Check

Did you contribute too much to an IRA or Roth IRA?

Answer a few questions to see whether an excess contribution issue may apply. This is retirement education only and is designed to help you understand what to review before speaking with your CPA, advisor, or custodian.

Start the free check Learn how excess IRA contributions work →

When this check may help

  • You contributed to a Roth IRA and your income may be too high.
  • You contributed to the wrong IRA type.
  • You contributed for the wrong tax year.
  • You discovered the issue after filing.
  • You are not sure whether earnings, deadlines, or penalties may apply.

What the free check looks at

  • IRA type
  • Tax year
  • Contribution amount
  • Filing status
  • Estimated MAGI range
  • Whether the return has been filed
  • Whether money has already been removed
  • Whether account value information may be needed for NIA context

What the Excess Contribution Fix Tool covers

  • Rule summary
  • Deadline status
  • Possible excess issue
  • NIA explanation
  • Potential 6% penalty issue
  • Custodian questions
  • CPA summary

Start the free check

Answer a few questions to see whether an IRA or Roth IRA contribution issue may need review. This free check is educational only and does not replace tax, legal, investment, or financial advice.

Enter the total you contributed across all your traditional and Roth IRAs for that tax year. The IRA contribution limit is a combined cap across both account types.

View IRA contribution limits (2023–2026)
  • 2026: $7,500 base; $8,600 if age 50 or older (with $1,100 catch-up)
  • 2025: $7,000 base; $8,000 if age 50 or older (with $1,000 catch-up)
  • 2024: $7,000 base; $8,000 if age 50 or older (with $1,000 catch-up)
  • 2023: $6,500 base; $7,500 if age 50 or older (with $1,000 catch-up)

SEP IRA and SIMPLE IRA use separate, higher plan-level limits that are not shown here.

Age 50 or older may allow an additional catch-up contribution.

MAGI means modified adjusted gross income. If you are not sure, choose Not sure.

Compare your MAGI against the Roth IRA phase-out range for the selected year and filing status before choosing under, inside, or over.

Account value information can matter when earnings or NIA calculations are involved.