Roth IRA Contribution Rules – Can I Contribute To My Roth IRA? (2026)

2026 · CAN I CONTRIBUTE TO MY ROTH IRA?
NoYesNoYesDo you or your spouse have earned income?Did you make a contribution to a traditional IRA for the tax year?SingleMarried Filing Jointly$252,000 or moreWhat is your MAGI?What is your MAGI?What is yourtax-filing status?Sorry, you are not eligible for a Roth IRA contribution unless you have earned income.Sorry, you cannot contribute to a Roth IRA.You can make a partial contribution to a Roth IRA, not to exceed earned income for the year.Less than $242,000You can make a full contribution to a Roth IRA of up to $7,500 ($8,600 if age 50 or over), not to exceed earned income for the year.You can make a full contribution to a Roth IRA of up to $7,500 ($8,600 if age 50 or over), not to exceed earned income for the year.$168,000 or moreSorry, you cannot contribute to a Roth IRA.$153,000 or more,but less than $168,000You can make a partial contribution to a Roth IRA, not to exceed earned income for the year.Less than $153,000Sorry, you are not eligible for a full Roth IRA contribution since you have already made a contribution to your traditional IRA but you may be able to make a partial contribution to your Roth IRA.$242,000 or more,but less than $252,000START HERE
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