Rocket Dollar Knowledge Base

What are the qualifications for a Roth IRA contribution in 2019?

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.

Modified Adjusted Gross Income = MAGI

How much can I contribute? Check your income range below.

Below filing income phase out range = full $5,500 contribution

In-between filing income phase out range = begin to phase out, partial contribution

Above filing income phase out range = not eligible to contribute this year

Tax filing status Roth IRA income ranges

Single Individual

  • 2018: $120,000-$135,000
  • 2019: $122,000-$137,000

Married (filing joint returns)

  • 2018: $189,000 - $199,000
  • 2019: $193,000-$203,000

Married (filing separately)

  • 2018 & 2019: $1,000-$9,999

$10,000+ in income is not eligible for Roth contributions

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