Roth IRA Income Calculator
Check how your modified adjusted gross income (MAGI) and filing status affect the amount you can contribute to a Roth IRA, including reduced limits inside the IRS phase out range.
Income Details
Enter your MAGI and filing status
You can contribute the full IRS limit
MAGI Phase Out Range
2025 IRS Income Limits Reference
| Filing Status | Full Contrib | Phase Out Ends | Range Width |
|---|---|---|---|
| Single / HOH | $150,000 | $165,000 | $15,000 |
| Married Filing Jointly | $236,000 | $246,000 | $10,000 |
| Married Filing Separately | $0 | $10,000 | $10,000 |
How the Income Check Works
The calculator compares your MAGI with the phase out range for your filing status. Below the range you can contribute the full limit, and at or above the top you cannot contribute directly.
Inside the range, your limit shrinks in proportion to how far into the range your income falls. The result is rounded up to the next $10, with a minimum of $200.
Pick your filing status
Single, married filing jointly, and married filing separately each have their own income range.
Enter your MAGI
Start from adjusted gross income, then add back items such as excluded foreign income. Roth conversion income is left out.
Enter your age
At 50 or older, your base limit includes the catch up amount.
What Is the Phase Out Formula?
This is the same reduction method used in the IRS worksheet for reduced Roth IRA contributions.
- MAGI
- Your modified adjusted gross income for Roth IRA purposes.
- Lower / Upper
- Start and end of the phase out range for your filing status.
- Base
- Your full limit: $7,000, or $8,000 at age 50+ (2025 figures used by the calculator).
- Ratio
- How far into the phase out range your income falls, from 0 to 1.
The calculator applies the 2025 ranges: $150,000 to $165,000 for single and head of household, $236,000 to $246,000 for joint filers, and $0 to $10,000 for married filing separately.
For 2026, the ranges rise to $153,000 to $168,000 and $242,000 to $252,000, and the base limits rise to $7,500 and $8,600.
Reduced Contribution Chart by MAGI
Find how far into the range your income falls to see your reduced limit for 2025. The same percentages apply to any filing status.
| Range used | Single MAGI | Joint MAGI | Limit under 50 | Limit 50+ |
|---|---|---|---|---|
| 0% | $150,000 | $236,000 | $7,000 | $8,000 |
| 20% | $153,000 | $238,000 | $5,600 | $6,400 |
| 40% | $156,000 | $240,000 | $4,200 | $4,800 |
| 60% | $159,000 | $242,000 | $2,800 | $3,200 |
| 80% | $162,000 | $244,000 | $1,400 | $1,600 |
| 90% | $163,500 | $245,000 | $700 | $800 |
| 99% | $164,850 | $245,900 | $200 | $200 |
| 100% | $165,000 | $246,000 | $0 | $0 |
The 99% row shows the $200 minimum: the formula gives $70 or $80, which rounds up to $200.
Example: Single Filer Earning $155,000
A 35 year old single filer has a MAGI of $155,000, which falls inside the 2025 phase out range.
- 1Amount over the lower limit: $155,000 minus $150,000 = $5,000.
- 2Share of range used: $5,000 ÷ $15,000 = 0.3333, or 33%.
- 3Reduced limit: $7,000 × (1 minus 0.3333) = $4,666.67.
- 4Round up to the next $10: $4,670.
FAQs
For 2026, the phase out is $153,000 to $168,000 for single filers and $242,000 to $252,000 for married couples filing jointly.
It uses the 2025 ranges of $150,000 to $165,000 single, $236,000 to $246,000 joint, and $0 to $10,000 married filing separately.
No, MAGI starts from adjusted gross income, so pre tax 401(k) deferrals and HSA contributions lower it.
IRS rules allow at least $200 whenever your MAGI is inside the phase out range but below the upper limit.
You can make a nondeductible Traditional IRA contribution and convert it to a Roth, a strategy known as a backdoor Roth.
Withdraw the excess and its earnings, or recharacterize it, before your filing deadline to avoid the 6% yearly excise tax.
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