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
- 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