Regular Contributions

Contributions subject to the annual limit

 

Top of our discussion of regular contributions to a Roth IRA.

This section of our online Guide to the Roth IRA explains the rules for making regular contributions in other words, contributions other than rollover or conversion contributions. Learn how much you can contribute and get the answers to related questions here.

Articles on this Topic

Basic Rules for Regular Contributions
This article lays out the basics for making regular contributions. Most people will find it gives them all the information they need on this subject, but other pages are provided for those who need details in particular areas.

Compensation Income
One of the requirements to make a regular contribution is to have taxable compensation or alimony income. For most people this is a no-brainer: you work for a living, you get a paycheck, and that's taxable compensation income. If you have to rely on income other than a paycheck to support your regular contribution to a Roth IRA, this article explains what types of income qualify — and what types don't.

Spousal Roth IRA
If you don't have taxable compensation, you can still contribute to a Roth IRA if you file jointly with a spouse who does. Click to this article for details.

Phase-Out Rules
Some people have modified adjusted gross income in the phase-out range. That means they can't contribute the full $3,000 to a Roth IRA, but they're still allowed to contribute something. This article explains how to determine the amount you can contribute.

Modified Adjusted Gross Income
If your modified adjusted gross income is near the level where your contribution amount is phased out, you need to have a precise definition of modified adjusted gross income. This article provides the details.

Retirement Savings Contributions Credit
This credit helps people of modest income save for retirement.

Regular Contribution to a Conversion Roth IRA
At one time there was some confusion about whether you should avoid making a regular contribution to a conversion Roth IRA.


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