Roth IRA Eligibility Calculator (2026)
Roth IRA contributions phase out at higher incomes — and the 2026 thresholds changed. Enter your MAGI and filing status to see exactly how much you can contribute.
How to use this calculator
- Enter modified adjusted gross income (MAGI).
- Enter filing status.
- Enter age.
- Your results appear instantly below and update as you change the numbers.
How this calculator works
For 2026 the phase-out range is $153,000–$168,000 of MAGI for single filers and $242,000–$252,000 for married filing jointly, with a $7,500 limit ($8,600 at 50+). Below the range you get the full contribution; inside it, the amount shrinks proportionally and rounds down to the nearest $10; above it, nothing. Married filing separately is effectively excluded.
Frequently asked questions
What counts as MAGI for a Roth IRA?
Adjusted gross income plus a few add-backs — typically tax-exempt interest, the student loan interest deduction, and foreign earned income. Your last pay stub's gross income is not MAGI: use your tax return's AGI as the starting point.
What if I'm over the limit?
You can't contribute to a Roth directly — but the backdoor Roth (contribute to a traditional IRA with after-tax dollars, then convert) works at any income level, subject to the pro-rata rule if you already hold pre-tax IRAs. Check with a tax professional before doing it.
Do employer 401(k) contributions count?
No — Roth IRA eligibility depends only on your MAGI, not on whether you have a workplace plan. A 401(k) has separate limits and can be used alongside a Roth IRA as long as your income stays under the phase-out.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: IRS.gov · 2026 limits per IRS tax inflation adjustments.