This table shows whether your contribution to a Roth IRA is affected by the amount of your modified AGI as computed for Roth IRA purpose.
| If your filing status is… | And your modified AGI is… | Then you can contribute… |
| married filing jointly or qualifying widow(er) |
< $183,000 |
up to the limit |
|
> $183,000 but < $193,000 |
a reduced amount | |
|
> $193,000 |
zero | |
| married filing separately and you lived with your spouse at any time during the year |
< $10,000 |
a reduced amount |
|
> $10,000 |
zero | |
| single, head of household, or married filing separately and you did not live with your spouse at any time during the year |
< $116,000 |
up to the limit |
|
> $116,000 but < $131,000 |
a reduced amount | |
|
> $131,000 |
zero |
For 2015, your total contributions to all of your traditional and Roth IRAs cannot be more than:
- $5,500 ($6,500 if you are age 50 or older), or
- your taxable compensation for the year, if your compensation was less than this dollar limit.
The IRA contribution limit does not apply to Rollover contributions.
Additional resources
- Publication 590-A, Contributions to Individual Retirement Arrangements (IRAs)
- Publication 590-B, Distributions from Individual Retirement Arrangements (IRAs)
- IRA Deduction Limits
- Retirement Plans FAQs regarding IRAs
- IRA Year-End Reminders
