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How much can I contribute to a Roth IRA and how do I know if I am eligible?

You are eligible to contribute to a Roth IRA if you (or your spouse if married and filing a joint tax return) have eligible compensation. For IRA purposes, compensation generally is defined as what you earn from working and includes wages, salary, tips, commissions, bonuses, and self-employment income, but not investment or pension income. You also must meet the modified adjusted gross income (MAGI)* limits (refer to the chart below).

Tax-Filing Status Year Full Contribution if MAGI is Partial Contribution if MAGI is No contribution if MAGI is
Single 2025 $150,000 or less $150,000–$165,000 $165,000 or more
2026 $153,000 or less $153,000–$168,000 $168,000 or more
Married, filing jointly 2025 $236,000 or less $236,000–$246,000 $246,000 or more
2026 $242,000 or less $242,000–$252,000 $252,000 or more
Married, filing separately 2025 N/A $0–$10,000 $10,000 or more
2026 N/A $0–$10,000 $10,000 or more

* MAGI is your adjusted gross income before certain deductions or adjustments to income.

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