Roth IRA eligibility calculator
Whether you can contribute to a Roth IRA directly, whether a traditional IRA contribution is deductible, and when a backdoor Roth is the way in.
- Your IRA limit
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- Deductible traditional IRA contribution
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- Roth phase-out range
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- The usual route
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Point at any line to see what it means.
What this is actually calculating.
Anyone with earned income can contribute to an IRA, up to the annual limit or your earned income, if less. Two separate income tests then decide what kind of contribution it can be. Above one range you cannot contribute to a Roth IRA directly. Above another, a traditional IRA contribution is no longer deductible if you or your spouse are covered by a retirement plan at work.
Inside each range the amount phases down in proportion, using the IRS worksheet: rounded up to the next $10, with $200 allowed if the result is above zero but smaller than that. Above the Roth range, a nondeductible contribution followed by a conversion, the backdoor Roth, is the usual route in.
The parts that decide the answer.
Which income counts
The test uses modified adjusted gross income: your adjusted gross income with a few items added back, such as excluded foreign income. For most people it is close to AGI. A Roth conversion does not count toward the Roth contribution test.
The two limits are shared
The IRA limit covers traditional and Roth contributions together, across all your IRAs. A direct Roth amount and a traditional amount are not two separate allowances.
Covered by a plan at work
Coverage means you, or your spouse, were an active participant in a 401(k), 403(b), pension or similar plan during the year. If neither of you was, a traditional contribution is deductible at any income.
Before a backdoor Roth
A backdoor Roth is only clean if you have no pre-tax money in traditional, SEP or SIMPLE IRAs at December 31. The backdoor Roth calculator shows what the pro-rata rule would tax.
Before you rely on it.
What are the 2027 Roth IRA income limits?
The phase-out runs from $158,000 to $173,000 for single filers and heads of household, and from $250,000 to $260,000 for married couples filing jointly. For 2026 it is $153,000 to $168,000 and $242,000 to $252,000.
I am married filing separately. Why is my range so low?
If you lived with your spouse at any time during the year, the range is $0 to $10,000 and is not adjusted for inflation. If you lived apart all year, you are treated as single; choose single to see that.
Can I still contribute for last year?
Yes, until the tax filing deadline in April, without extensions. Choose the year you are contributing for.
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