Roth IRA limit is separate from 401(k)/403(b) employee contribution limit.
2026, if you’re under age 50:
- 401(k) + 403(b) combined: up to $24,500 in employee elective deferrals.
- Traditional IRA + Roth IRA combined: up to $7,500, subject to the Roth IRA income eligibility rules.
- So potentially you could contribute $32,000 total across these accounts: $24,500 + $7,500.
Your 401(k) loan repayments also do not count toward either of these contribution limits.
One thing we should check before you put the full $7,500 into the Roth IRA is your 2026 income/MAGI, because Roth IRA eligibility phases out at higher incomes. If your income is around $100,000, as in your earlier estimate, you’d generally be comfortably below the 2026 phase-out range for a single filer, assuming no unusual income adjustments. You may be able to put the $1,100 back, but the key question is when you withdrew it and whether the $1,100 came from your Roth IRA contributions or earnings.
For Roth IRAs, your regular contributions come out first. If the $1,100 was entirely from your prior Roth IRA contributions, the withdrawal itself is generally tax- and penalty-free.
There are two different ways putting the money back can work:
- Within 60 days: If the withdrawal qualifies for a rollover and you’re within 60 days, you may be able to redeposit the $1,100 as a 60-day rollover. A rollover does not count toward your $7,500 annual contribution limit.
- Regular contribution: If you’re not treating it as a rollover, putting money into the Roth IRA is a new contribution and counts toward your $7,500 2026 limit. Simply withdrawing $1,100 does not automatically restore $1,100 of contribution room.
For example, if you already contributed $7,500 for 2026 and then withdrew $1,100, you generally can’t simply make another $1,100 regular 2026 contribution and call it $7,500 net. That could create an excess contribution. A properly completed 60-day rollover is different. The IRS confirms that rollover contributions aren’t included in the annual IRA contribution limit.
Tell me two things: how much you’ve contributed to your Roth IRA for 2026 specifically, and the date you withdrew the $1,100. I can tell you exactly how much you can put back without exceeding the limit.
Got it. In your situation, you contributed $1,100 to your Roth IRA for 2026 and later withdrew that $1,100 because you needed the cash.
The important point is that simply withdrawing the $1,100 generally does not automatically erase the original $1,100 contribution for purposes of your annual contribution limit. For 2026, the IRA contribution limit is $7,500 if you’re under 50.
So if that $1,100 was a normal 2026 contribution:
$7,500 − $1,100 = $6,400
You can still make $6,400 of additional regular 2026 Roth IRA contributions, assuming you’re eligible based on income.
However, if your withdrawal was less than 60 days ago, there may be another option: you could potentially return the $1,100 as a 60-day rollover. A properly completed rollover doesn’t count toward the $7,500 contribution limit. There are additional rollover requirements, including the IRA one-rollover-per-12-month rule.
Also, if the $1,100 you withdrew consisted entirely of your regular Roth IRA contributions, Roth ordering rules generally make regular contributions come out before earnings, so an early-withdrawal penalty may not apply to that portion.
Tell me the exact date you withdrew the $1,100. Then I can determine whether you’re still inside the 60-day window and show you the safest way to get your Roth IRA to the full $7,500 for 2026 without accidentally overcontributing.
If you withdrew the $1,100 in April or May 2026, the normal 60-day rollover window has already passed, so I would not simply redeposit it now and label it a rollover unless you qualify for a special IRS waiver.
For your situation, assuming the original $1,100 was a normal 2026 Roth IRA contribution:
2026 Roth IRA limit: $7,500
You contributed: $1,100
You later withdrew: $1,100
Remaining regular contribution room: generally $6,400
So you can contribute another $6,400 as a regular 2026 Roth IRA contribution, assuming your income allows the full Roth contribution. The IRS confirms the 2026 IRA limit is $7,500 for someone under 50.
There is an important exception: if your brokerage processed that April/May withdrawal specifically as a “return of contribution” (including the required treatment of associated earnings), the IRS can treat that contribution as though it wasn’t made. In that case, your available room could be different.
Also, if that $1,100 withdrawal was simply a withdrawal of your regular Roth contributions, rather than earnings, it generally does not mean you owe a 10% penalty just because you took the money out.
If you show me a screenshot of the Roth IRA transaction history showing the $1,100 deposit and withdrawal (hide your account number), I can help determine whether you should contribute $6,400 or $7,500 for the rest of 2026.
