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New Member
posted Jun 4, 2019 8:12:22 PM

If I have a capital gain from the sale of an investment property, does that get added to my personal income in a manner that would effect Roth IRA contribution limits?

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2 Replies
Level 15
Jun 4, 2019 8:12:23 PM

Capital gains are included as part of your Adjusted Gross Income (AGI) and as part of your Modified Adjusted Gross Income (MAGI) when determining income limits for contributions to a Roth IRA.
See this IRS website Roth IRA limits - <a rel="nofollow" target="_blank" href="https://www.irs.gov/retirement-plans/amount-of-roth-ira-contributions-that-you-can-make-for-2017">https://www.irs.gov/retirement-plans/amount-of-roth-ira-contributions-that-you-can-make-for-2017</a>

Level 15
Jun 4, 2019 8:12:25 PM

Yes. Capital gains are part of the MAGI calculation that limits your Roth IRA contribution.