ClearYear/Calculators

Retirement

Roth IRA Phaseout Calculator

Estimate reduced Roth IRA eligibility using your MAGI and phaseout range.

Use this for

  • high-income households
  • Roth planning
  • backdoor Roth decisions
Allowed percentage70%
Estimated Roth room$5,250
Phaseout range$242,000 to $252,000
Amount phased out$2,250

Enter the current phaseout range for your filing status.

Before you rely on the number

Roth contribution eligibility phases out by filing status.

This tool lets you enter the range directly.

Backdoor Roth may be an alternative, but pro-rata rules matter.

Next tools

Useful follow-ups

RetirementIRA contributionRetirementBackdoor RothRetirementHSA limit