Why are my Roth IRA contributions limited or not allowed?
Roth IRA contributions are limited by any traditional IRA contributions you made in the same year, your taxable compensation for the year, as well as by your Modified Adjusted Gross Income (MAGI) for the year.
If your MAGI falls within the limitations shown below for your filing status, your Roth IRA contributions are limited.
If your MAGI is equal to or above the upper limit of the range shown above for your filing status, you're not allowed to contribute to a Roth IRA.
If your MAGI falls within the limitations shown below for your filing status, your Roth IRA contributions are limited.
| Filing Status | MAGI Range |
| Single, Head of Household, or Married Filing Separately (and you didn't live with your spouse at any time during the year) | $150,000 - $165,000 |
| Married Filing Jointly or Qualifying Surviving Spouse | $236,000 - $246,000 |
| Married Filing Separately (and you lived with your spouse at any time during the year) | $0 - $10,000 |
If your MAGI is equal to or above the upper limit of the range shown above for your filing status, you're not allowed to contribute to a Roth IRA.
