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).

 

 

Tax-Filing Status Year Full Contribution if MAGI is Partial Contribution if MAGI is No contribution if MAGI is
Single 2017 $118,000 or less $118,000–$133,000 $133,000 or more
2018 $120,000 or less $120,000–$135,000 $135,000 or more
Married, filing jointly 2017 $186,000 or less $186,000–$196,000 $196,000 or more
2018 $189,000 or less $189,000–$199,000 $199,000 or more
Married, filing separately 2017 N/A $0–$10,000 $10,000 or more
2018 N/A $0–$10,000 $10,000 or more

 

* Modified adjusted gross income (MAGI) is your adjusted gross income before certain deductions or adjustments to income.