IRA Eligibility Calculator

Your ability to make contributions to a Roth and Traditional IRA depends on income levels, age, and other factors. This tool will help you figure out what your options are.

See our IRA Scenario Tool for additional guidance on the optimal strategy.

How To Use This Calculator

  • This calculator will tell you whether you are able to make contributions directly to a Roth IRA.
  • It will also tell you if you are eligible to make deductible (i.e., pre-tax) contributions to a Traditional IRA.
  • For a Traditional IRA, eligibility thresholds depend on whether you or your spouse is covered by a retirement plan (such as a 401k) at work.

Download this tool as a spreadsheet >>

Share This Tool

You are free to use this tool on your website. Simply copy and paste the HTML code below. You must include attribution and links to

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