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Eligibility to Contribute to an IRA

You may be able to open and make contributions 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 make contributions 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:

Tax Year

Married Filing Jointly

Married Filing Jointly Separately

Single Indvidual

2024

<$230,000 (to fully contribute)

>$230,000 but <$240,000 (to partially contribute)

<$10,000

<$146,000 (to fully contribute)

>$146,000 but <$161,000 (to partially contribute)

2023

<$218,000 (to fully contribute)

>$218,000 but <$228,000 (to partially contribute)

<$10,000

<$138,000 (to fully contribute)

>$138,000 but <$153,000 (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).

Eligibility to Contribute to an IRA

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National Credit Union Administration, a U.S. Government Agency