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Eligibility to Contribute to an IRA

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:

Tax Year

Married Filing Jointly

Married Filing Jointly Separately

Single Individual

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).

Eligibility to Contribute to an IRA

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EHL

Equal Housing Lender

NCUA

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