Roth (post-tax)

Am I eligible for a Roth IRA contribution in 2019/2020?

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.

 

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

 

Adjusted Gross Income = AGI

 

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

See Our IRA Plan