Roth IRA Eligibility Calculator

Check your Roth IRA contribution eligibility, calculate phase-out limits, and determine if a Backdoor Roth strategy is right for you.

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How to Use This Calculator

Enter Your Filing Status

Select whether you file as Single, Married Filing Jointly, or Head of Household. This determines your income phase-out range.

Enter Your Modified AGI (MAGI)

Your MAGI determines if you can contribute directly to a Roth IRA. Find this on your tax return or estimate based on your income.

Review Your Eligibility

See your maximum allowed contribution and whether you qualify for full, partial, or no direct Roth contributions.

Explore Backdoor Roth Option

If you exceed income limits, learn about the Backdoor Roth strategy and check for pro-rata rule complications.

Project Your Retirement Savings

See how your Roth IRA could grow over time and compare the tax benefits of Roth vs. Traditional IRA.

💡 2025 Roth IRA Limits

• Contribution Limit: $7,000 ($8,000 if age 50+)
• Single Phase-out: $150,000 - $165,000 MAGI
• Married Filing Jointly Phase-out: $236,000 - $246,000 MAGI
• Head of Household Phase-out: $150,000 - $165,000 MAGI

Frequently Asked Questions

A Roth IRA is a retirement account where you contribute after-tax dollars. Your money grows tax-free, and qualified withdrawals in retirement are completely tax-free. Unlike traditional IRAs, there are no required minimum distributions (RMDs) during your lifetime.