Roth (post-tax)

Am I eligible for a Roth IRA contribution in 2020/2021?

Make sure to check if you are filing as a single individual, married (filing jointly), or married (filing separately). Then, see if your MAGI income is below, in between, or higher than the IRS income limit range. Ranges have not changed in 2021

 

How much can I contribute? Check your tax filing status and then your income range below.

 

Adjusted Gross Income = AGI

ROTH contribution guidelines remain the same for 2021

If your filing status is...

2019

And your modified AGI is...

2020

And your modified AGI is...

Then you can contribute...
married filing jointly or qualifying widow(er)

 < $193,000

< $196,000

 up to the limit $6,000 ($7,000 if 50 or older)

> $193,000 but

< $203,000

> $196,000 but

< $206,000

 a reduced amount

 >  $203,000

> $206,000

 zero

married filing separately and you lived with your spouse at any time during the year

 < $10,000

< $10,000

 a reduced amount

 > $10,000

> $10,000

 zero

singlehead of household, or married filing separately and you did not live with your spouse at any time during the year

 < $122,000

< $124,000

 up to the limit $6,000 ($7,000 if 50 or older)

 > $122,000 but

< $137,000

> $124,000 but

< $139,000

 a reduced amount

 > $137,000

> $139,000

 zero

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