Filing status2019 MAGI2020 MAGIMaximum annual contribution
Single, head of household or married filing separately (if you didn't live with spouse during year)Less than $122,000Less than $124,000$6,000 ($7,000 if 50 or older)
$122,000 up to $137,000$124,000 up to $139,000Contribution is reduced
$137,000 or more$139,000 or moreNo contribution allowed
Married filing jointly or qualifying widow(er)Less than $193,000Less than $196,000$6,000 ($7,000 if 50 or older)
$193,000 up to $203,000$196,000 up to $206,000Contribution is reduced
$203,000 or more$206,000 or moreNo contribution allowed
Married filing separately (if you lived with spouse at any time during year)Less than $10,000Less than $10,000Contribution is reduced
$10,000 or more$10,000 or moreNo contribution allowed