Roth IRA Eligibility Calculator
How much you can contribute to a Roth IRA this year at your income — the full limit, a reduced amount, or zero (with the backdoor route explained).
Written by Dorothy Ibrahim, 10+ years in banking & finance
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How we calculate this
This calculator tells you how much you can contribute to a Roth IRA this year given your modified adjusted gross income (MAGI) and filing status. A Roth grows completely tax-free in retirement, but eligibility phases out over an income range: below the floor you get the full limit, above the ceiling you cannot contribute directly, and in between the amount is reduced. Enter your MAGI, filing status, age, and tax year to see your allowed contribution and — if you are over the ceiling — the backdoor-Roth route.
The formulas
- Full contribution limit
- base IRA limit + catch-up (if age 50+)The base limit is $7,500 for 2026 and $7,000 for 2025; the age-50 catch-up adds $1,100 (2026).
- Reduced (phase-out) amount
- limit × (ceiling − MAGI) ÷ (ceiling − floor)Rounded down to the nearest $10, with a $200 floor for any nonzero partial amount (IRS §408A rule).
Worked example
- With the default $100,000 MAGI, single, age 40 for 2026, the full contribution limit at that age is the base $7,500 (no age-50 catch-up).
- The 2026 single phase-out range runs from $153,000 to $168,000, and $100,000 is below the $153,000 floor.
- Because MAGI is below the floor, the full $7,500 is allowed and the status is "full" — no reduction applies.
Rates, benchmarks & sources
- 2026 IRA limit ($7,500) and Roth phase-out ranges. — IRS Notice 2025-67
- Contributions to IRAs — Roth income limits and the reduced-contribution worksheet. — IRS Publication 590-A
- Roth IRA rules, including the $200 partial-contribution rounding floor. — IRC §408A
Figures current as of 2026-07-02. See our methodology & editorial standards for how constants are versioned and verified.
What this tool doesn’t model
- MAGI here is the figure you enter; a precise MAGI can differ from AGI by a few add-backs (such as student-loan interest or foreign-earned-income exclusions).
- Head of household falls back to the single phase-out range, which matches IRS treatment for unmarried filers.
- It does not model spousal IRAs, the pro-rata rule on backdoor conversions, or a marriage penalty beyond the joint phase-out range.
- It is an educational estimate for planning, not tax advice — confirm eligibility and any conversion with a CPA/EA.
Frequently asked questions
What are the Roth IRA income limits?
Eligibility phases out over a MAGI range that depends on your filing status. Below the floor you can contribute the full limit; above the ceiling you cannot contribute directly; in between you get a reduced amount. This calculator applies the current-year ranges to the MAGI you enter and returns the exact dollar figure.
What is a backdoor Roth?
If your income is above the Roth ceiling, you can contribute to a traditional IRA — which has no income limit on the contribution — and then convert it to a Roth. There is no income limit on the conversion itself. Watch the IRS pro-rata rule if you hold other pre-tax IRA money, because the conversion may then be partly taxable.
Does self-employment change my Roth limit?
No — the Roth IRA limit is the same whether your income is from a W-2 job or self-employment. What matters is your modified AGI and filing status. Self-employed savers often pair a Roth IRA with a Solo 401(k) or SEP IRA for much larger total tax-advantaged saving.
When is the Roth contribution deadline?
You can contribute for a tax year up until that year’s filing deadline (typically mid-April of the following year), not counting extensions. So you have a few months after year-end to fund the prior year once you know your final income.