Roth IRA MAGI Phase-out

Compute your MAGI and see how much Roth IRA contribution you're allowed.

Gross income ($)

Traditional 401(k) contribution ($)

HSA contribution ($)

Filing status

Age 50+ (catch-up $1,000)

MAGI

$113,400

Allowed Roth IRA

$7,000

Phase-out window

$146,000 – $161,000

Status

full

Note

Standard limit $7,000; max MAGI $161,000.

About this tool

Punch in gross income, 401(k), and HSA contributions. We apply the 2024 deduction and the single / MFJ phase-out windows so you can tell at a glance whether you can contribute the full $7,000 (or $8,000 if 50+). Direct answer to r/personalfinance 'MAGI calculator for Roth IRA'.

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