Roth IRA Elgibility
Roth Eligibility – Income (MAGI)* limits
To Open and Contribute to a Roth IRA:
You must meet the modified adjusted gross income (MAGI)* limits (refer to the chart below).
This table shows whether your contribution to a Roth IRA is affected by the amount of your modified AGI as computed for Roth IRA purpose.
| Tax-Filing Status | Modified AGI | Contribution |
| married filing jointly or qualifying widow(er) | < $204,000 | up to the limit |
| married filing jointly or qualifying widow(er) | > $204,000 but < $214,000 | a reduced amount |
| married filing jointly or qualifying widow(er) | > $214,000 | zero |
| married filing separately and you lived with your spouse at any time during the year | < $10,000 | a reduced amount |
| married filing separately and you lived with your spouse at any time during the year | > $10,000 | zero |
| single, head of household, or married filing separately and you did not live with your spouse at any time during the year | < $129,000 | up to the limit |
| single, head of household, or married filing separately and you did not live with your spouse at any time during the year | > $129,000 but < $144,000 | a reduced amount |
| single, head of household, or married filing separately and you did not live with your spouse at any time during the year | > $144,000 | zero |
* Modified adjusted gross income (MAGI) is your adjusted gross income before certain deductions or adjustments to income.