---
title: MAGI Phase-Out Ranges for Roth IRA Contributions
description: The IRS provides income ranges for determining a taxpayer's eligibility to make a Roth IRA contribution.
---

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# MAGI Phase-Out Ranges for Roth IRA Contributions

## The IRS provides income ranges for determining a taxpayer's eligibility to make a Roth IRA contribution.

If an IRA owner's modified adjusted gross income (MAGI) falls **below** the phase-out ranges provided based on the individual's filing status, the IRA owner may be eligible to make a **full** Roth IRA contribution.

If an IRA owner's MAGI falls **within** the phase-out ranges provided based on the individual's filing status, the IRA owner may be eligible to make a **partial** Roth IRA contribution. 

Any IRA owner with a MAGI that **exceeds** the phase-out ranges provided based on the individual's filing status, the IRA owner **cannot** make a Roth IRA contribution.

**Printable job aid:**[MAGI Phase-Out Ranges for Roth IRA Contributions](https://help.superiorira.com/hubfs/2026%20MAGI%20Phase%20Out%20Ranges%20for%20Roth%20IRAs.pdf?hsLang=en)

| #### Single (or Head of Household) Taxpayers |  |
| --- | --- |
| **Tax Year** | **Individual MAGI** |
| **2026** | $153,000 - $168,000 |
| **2025** | $150,000 - $165,000 |
| **2024** | $146,000 - $161,000 |
| **2023** | $138,000 - $153,000 |

 

| #### Married Couples (Filing Jointly) |  |
| --- | --- |
| **Tax Year** | **Joint MAGI** |
| **2026** | $242,000 - $252,000 |
| **2025** | $236,000 - $246,000 |
| **2024** | $230,000 - $240,000 |
| **2023** | $218,000 - $228,000 |

 

| #### Married Individual (Filing Separately) |  |
| --- | --- |
| **Tax Year** | **Individual MAGI** |
| **2022 - 2026** | $0 - $10,000 |

 

 

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