Income limits for contributing to a Roth IRA

If your 2021 federal income tax filing status is:Your Roth IRA contribution is limited if your MAGI is:You cannot contribute to a Roth IRA if your MAGI is:

If your 2021 federal income tax filing status is:


Single or head of household

Your Roth IRA contribution is limited if your MAGI is:


More than $125,000 but less than $140,000

You cannot contribute to a Roth IRA if your MAGI is:


$140,000 or more

If your 2021 federal income tax filing status is:


Married filing jointly or qualifying widow(er)

Your Roth IRA contribution is limited if your MAGI is:


More than $198,000 but less than $208,000 (combined)

You cannot contribute to a Roth IRA if your MAGI is:


$208,000 or more (combined)

If your 2021 federal income tax filing status is:


Married filing separately

Your Roth IRA contribution is limited if your MAGI is:


More than $0 but less than $10,000

You cannot contribute to a Roth IRA if your MAGI is:


$10,000 or more