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Modified Adjusted Gross Income
Modified adjusted gross income (MAGI) is an income metric that is used to determine eligibility for certain tax deductions, credits, and additional taxes.
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Tax filing status | 2025 MAGI | 2026 MAGI | Contribution limit |
|---|---|---|---|
Single, head of household, or married person filing separately who did not live with spouse during the tax year | Less than $150,000 | Less than $153,000 | $7,000 ($8,000 for ages 50 and older) in 2025; $7,500 ($8,600 for ages 50 and older) in 2026 |
$150,000 to $165,000 | $153,000 to $168,000 | Reduced in proportion to amount of income over MAGI limit | |
$165,000 or more | $168,000 or more | $0 (no contribution allowed) |
Married couple filing jointly or qualifying widow/widower | Less than $236,000 | Less than $242,000 | $7,000 ($8,000 for ages 50 and older) in 2025; $7,500 ($8,600 for ages 50 and older) |
$236,000 to $246,000 | $242,000 to $252,000 | Reduced in proportion to amount of income over MAGI limit | |
$246,000 or more | $252,000 or more | $0 (no contribution allowed) |
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About the Author
Kailey Hagen, CFP, is a contributing Motley Fool retirement analyst covering Social Security, Medicare, and retirement planning. Before The Motley Fool, Kailey was a research analyst for Reviews.com focusing on credit and banking products. She is a Certified Financial Planner® and holds a bachelor’s degree in English from the University of Wisconsin-Madison.
The Motley Fool has a disclosure policy.
