In addition - if it is Roth IRA then your MAGI must be less than the limits to be able to contribute at all. For example if Married Filing Jointly then your MAGI must be less than $198K for 2021 to contributed the maximum amount and less than $208K to contribute at all to a Roth IRA..
MAGI is basically your AGI with a few adjustments that can be found in IRS Pub 590A ( https://www.irs.gov/publications/p590a#en_US_2019_publink100025076) worksheet 1-1. For most people the AGI and MAGI will be the same.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
