You may be able to open and contribute to a Traditional IRA if:
- You (or your spouse, if you file a joint return) received taxable income during the year.
You may be able to open and contribute to a Roth IRA if:
- You (or your spouse, if you file a joint return) received taxable income during the year and
- Your Modified Adjusted Gross Income (MAGI) limits are within the following ranges:
|
| 2026 | <$242,000 (to fully contribute) ≥$242,000 but <$252,000 (to partially contribute) | <$10,000 | <$153,000 (to fully contribute) ≥$153,000 but <$168,000 (to partially contribute) |
| 2025 | <$236,000 (to fully contribute) ≥$236,000 but <$246,000 (to partially contribute) | <$10,000 | <$150,000 (to fully contribute) ≥$150,000 but <$165,000 (to partially contribute) |
For more specific information regarding your eligibility to contribute to an IRA, please consult a tax professional or go to www.IRS.gov for more information. You may also consult one of our financial planners at Delta Community Retirement and Investment Services (404-677-4890 or 800-544-3328).
