2021 Roth IRA income phase-outs
Modified adjusted gross income ranges where Roth IRA contribution eligibility phases out.
Primary reference value
$125,000| Parameter | Amount |
|---|---|
| Single / Phase-out starts | $125,000 |
| Single / Phase-out ends | $140,000 |
| Head of household / Phase-out starts | $125,000 |
| Head of household / Phase-out ends | $140,000 |
| Married filing jointly / Phase-out starts | $198,000 |
| Married filing jointly / Phase-out ends | $208,000 |
| Married filing separately / Phase-out starts | $0 |
| Married filing separately / Phase-out ends | $10,000 |
- Announced
- Not recorded; see primary document
- Effective
- 2021-01-01 to 2021-12-31
- Next usual release
- November
Who this applies to.
Use modified AGI, not gross pay. Married filing separately while living with a spouse has a special $0–$10,000 range.
Published by IRS. The table uses tax year dates. Check the source for eligibility, elections and exceptions.
Use the 2021 number.
Assumes taxable compensation at least equals the resulting contribution limit. IRA contributions share one limit across traditional and Roth IRAs. The married-separate range shown applies when living with a spouse during the year.
Roth IRA income phase-outs history.
| Year | Reference value | Change | Status |
|---|---|---|---|
| 2021 | $125,000 | — | Official |
| 2022 | $129,000 | +$4,000 | Official |
| 2023 | $138,000 | +$9,000 | Official |
| 2024 | $146,000 | +$8,000 | Official |
| 2025 | $150,000 | +$4,000 | Official |
| 2026 | $153,000 | +$3,000 | Official |
| 2027 | $158,000 | +$5,000 | Projected |
History compares the primary reference value; use each year’s full table for other filing statuses, regions or limits.
Questions about roth ira income phase-outs.
What is the 2021 roth ira income phase-outs?
The sourced table above shows the 2021 values. Its status is official. The primary reference is $125,000; other statuses or categories may differ.
When will the next number be announced?
The usual publication window is November. This is a typical schedule, not a promised date. The calendar distinguishes published values from pending releases.
Is this official or projected?
The displayed 2021 record is official. Official means a primary agency document or statute supports the value. A projection states its formula, inflation data and assumptions and changes when an official source becomes available.
How does it compare with last year?
Use the history and prior-year page for verified comparisons. Each table should be compared using the same filing status, region and effective period.
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