2021 Roth IRA Eligibility | Ed Slott and Company, LLC

2021 Roth IRA Eligibility

If your filing status is...And your modified AGI is...Then you can contribute...
married filing jointly or qualifying widow(er)

< $198,000

up to the limit

> $198,000 but < $208,000

a reduced amount

> $208,000

zero

married filing separately and you lived with your spouse at any time during the year

< $10,000

a reduced amount

> $10,000

zero

single, head of household, or married filing separately and you did not live with your spouse at any time during the year

< $125,000

up to the limit

> $125,000 but < $140,000

a reduced amount

> $140,000

zero

 

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