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
Single (or Head of Household) Taxpayers |
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| Tax Year | Individual MAGI | |
| 2025 | $150,000 - $165,000 | |
| 2024 | $146,000 - $161,000 | |
| 2023 | $138,000 - $153,000 | |
| 2022 | $129,000 - $144,000 | |
Married Couples (Filing Jointly) |
|
| Tax Year | Joint MAGI |
| 2025 | $236,000 - $246,000 |
| 2024 | $230,000 - $240,000 |
| 2023 | $218,000 - $228,000 |
| 2022 | $204,000 - $214,000 |
Married Individual (Filing Separately) |
|
| Tax Year | Individual MAGI |
| 2022 - 2025 | $0 - $10,000 |