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Who can contribute to a Roth IRA?

Roth IRA contributions are limited by income level. In general, you can contribute to a Roth IRA if you have taxable income and your modified adjusted gross income is either:

  • less than $167,000 if you are married filing jointly
  • less than $105,000 if you are single, head of household, or married filing separately (if you did not live with your spouse at any time during the previous year)
  • less than $10,000 if you're married filing separately and you lived with your spouse at any time during the previous year.

For more on whether you should contribute to a Roth or a traditional IRA see Which is better for me, a Roth or traditional IRA?