Roth IRA Income Limit Calculator
Can I contribute to a Roth IRA? Calculate your Roth IRA contribution limit based on your income, tax filing status, and MAGI. Find out if you're eligible and how much you can contribute.
Your Roth IRA Contribution Results
Maximum Roth IRA Contribution
$7,000
Standard limit
Eligibility Status
Full
You are fully eligible
Contribution Reduced By
$0
No phase-out reduction
Phase-Out Range
$150,000 – $165,000
Based on MAGI and filing status
Limit Type: Full Contribution — Your MAGI is below the phase-out threshold.
Where Your MAGI Falls in the Phase-Out Range
$0
Phase-Out Range
$0
Contribution Breakdown
Catch-Up (Age 50+)
$8,000
🔄 Consider a Backdoor Roth IRA
Your income exceeds the Roth IRA direct contribution limit. A Backdoor Roth IRA allows you to contribute to a Traditional IRA (non-deductible) and then convert it to a Roth IRA, bypassing the income limit. Consult with a tax professional to ensure proper execution.
How the Roth IRA Income Limit Works
Roth IRA contributions are subject to income limits based on your Modified Adjusted Gross Income (MAGI) and tax filing status. Unlike Traditional IRAs, Roth IRA contributions are made with after-tax dollars, allowing for tax-free withdrawals in retirement. The IRS sets annual contribution limits and phase-out ranges that determine how much you can contribute.
Contribution Limits by Tax Year
| Year |
Standard Limit |
Catch-Up (50+) |
Single / HOH |
Married Filing Jointly |
Married Filing Separately |
| 2024 |
$7,000 |
$8,000 |
$146,000 – $161,000 |
$230,000 – $240,000 |
$0 – $10,000 |
| 2025 |
$7,000 |
$8,000 |
$150,000 – $165,000 |
$236,000 – $246,000 |
$0 – $10,000 |
| 2026 |
$7,000 |
$8,000 |
$154,000 – $169,000 |
$242,000 – $252,000 |
$0 – $10,000 |
Three Eligibility Scenarios
- Full Contribution: If your MAGI is at or below the phase-out start, you can contribute the full amount.
- Partial Contribution: If your MAGI falls within the phase-out range, your contribution limit is reduced proportionally.
- Ineligible: If your MAGI is at or above the phase-out end, you cannot contribute directly to a Roth IRA.
What Is MAGI for Roth IRA Purposes?
MAGI (Modified Adjusted Gross Income) for Roth IRA purposes is your AGI with certain deductions added back, including: Traditional IRA deductions, student loan interest, tuition and fees deduction, foreign earned income exclusion, and employer-paid adoption expenses. Your tax return or tax professional can help determine your exact MAGI.
Backdoor Roth IRA Strategy
If your income exceeds the Roth IRA phase-out limit, you may still contribute indirectly through a Backdoor Roth IRA. This involves making a non-deductible contribution to a Traditional IRA and then converting those funds to a Roth IRA. The Backdoor Roth IRA strategy is a legal way to bypass Roth IRA income limits — but be aware of the pro-rata rule if you have existing pre-tax Traditional IRA balances.
Frequently Asked Questions (FAQ)
What is the Roth IRA income limit for 2025?
For 2025, the Roth IRA contribution limit is $7,000 ($8,000 if age 50+). The phase-out range for single filers is $150,000-$165,000 MAGI, and for married filing jointly it's $236,000-$246,000. Use this calculator with your specific tax year to get an exact result.
What is MAGI and how is it calculated?
Modified Adjusted Gross Income (MAGI) is your Adjusted Gross Income (AGI) with certain deductions added back. For Roth IRA purposes, MAGI includes items like IRA deductions, student loan interest, and tuition and fees deductions. Your W-2 wages plus investment income minus certain adjustments gives you a starting point.
What is a Backdoor Roth IRA?
A Backdoor Roth IRA is a strategy for high-income earners who exceed the Roth IRA income limits. You contribute to a Traditional IRA (which has no income limits), then convert the Traditional IRA to a Roth IRA. This effectively bypasses the Roth income limits. Be aware of the pro-rata rule if you have existing Traditional IRA balances.
Can a married couple both contribute to Roth IRAs?
Yes, if you file jointly and your combined MAGI is within the phase-out range ($236,000-$246,000 for 2025). Each spouse can contribute up to the annual limit ($7,000 each, or $8,000 if age 50+), even if only one spouse has earned income, as long as the working spouse earns enough to cover both contributions.
Does having a 401(k) affect my Roth IRA contribution limit?
Having a workplace retirement plan like a 401(k) does NOT directly affect Roth IRA contribution limits. However, it can affect Traditional IRA deduction limits. Roth IRA income limits are based solely on your MAGI and filing status, regardless of whether you have a workplace plan. You can contribute to both a Roth IRA and a 401(k) in the same year.
⚠️ Disclaimer: This Roth IRA Income Limit Calculator provides estimates based on current IRS rules and contribution limits. Tax laws are subject to change and individual circumstances vary. For personalized retirement planning, consult a qualified financial advisor or tax professional.