MAGI Calcuation for Roth

ritag9899tax · ‎February 09, 2026

T0 calculate my MAGI in order to know how much I can contribute to a Roth IRA, I know that I have to add in my nontaxable Social Security. I also have other nontaxable retirement income. Do I need to add that back to my AGI?

MinhT1

No, you do not have to add back your non taxable SSA benefits or you other non taxable retirement income.

Please read this IRS document, section Roth and traditional IRA contributions.

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dmertz

You are looking at the wrong MAGI definition, probably the one for determining Premium Tax Credits under the Affordable Care Act. The calculation of MAGI for the purpose of a Roth IRA contribution is described in IRS Pub 590-A:

https://www.irs.gov/publications/p590a#en_US_2025_publink1000230985