IRA Eligibility Calculator

When were you born?

MM DD YYYY

Why is this important?

Your age is one of several key variables used in determining your IRA contribution amount and, for tax year 2019, your Traditional IRA contribution eligibility.. For tax year 2019, Traditional IRA contributions are not allowed if your date of birth is before July 1, 1949. Also, your age is used to determine whether you are age-eligible for a catch-up contribution.

Are you an active participant in an employer-sponsored retirement plan?

Yes No

Why is this important?

Participation by you and/or your spouse in an employer-sponsored retirement plan may affect deductibility of Traditional IRA contributions, depending upon your income tax filing status and modified adjusted gross income (MAGI).

Your tax filing status

Why is this important?

In certain cases, contribution limits and deductibility are affected by your federal income tax filing status.

Your spouse's date of birth

MM DD YYYY

Why is this important?

Your spouse's age is one of several key variables used in determining your spouse's IRA contribution amount and, for tax year 2019, your Traditional IRA contribution eligibility. For tax year 2019, Traditional IRA contributions are not allowed for your spouse if his/her date of birth before July 1, 1949. Also, your spouse's age is used to determine whether he or she is age-eligible for a catch-up contribution.

Is your spouse an active participant in an employer-sponsored retirement plan?

Yes No

Why is this important?

Tax year

2019 2020

Why is this important?

The tax year for which you intend to contribute must be indicated in order to determine your age(s) in the contribution year, as well as reflect the accurate contribution limit(s) for the applicable year.

Estimated household modified adjusted gross income (MAGI) for year

$ .00

Why is this important?

Modified adjusted gross income (MAGI) represents adjusted gross income (AGI) before certain deductions and adjustments are considered. Your MAGI (or the joint MAGI of you and your spouse, if filing jointly) can impact both your contribution eligibility as well as your ability take a tax deduction for your contribution (in the case of Traditional IRA contributions).