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Level 1
posted Mar 9, 2025 8:20:25 PM

Roth IRA Eligibility for RDP in CA (Community Property State)

I am in a Registered Domestic Partnership in CA, and my partner and I file as Single for Federal and Married Jointly for State. My income is $150K, and my partner's is $120K, but with the community property income adjustment, my MAGI is reduced to $135K. Since this is below the $146K Roth IRA income limit for full Roth IRA contributions, does this mean I am eligible for the full contribution that I otherwise wouldn’t qualify for?

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1 Best answer
Expert Alumni
Mar 11, 2025 4:49:03 PM

No, unfortunately, the community property laws cannot be applied to determine compensation for contributions.  See IRC 408A(a). 219(f)(2).  

 

See Answers to Frequently Asked Questions for Registered Domestic Partnerships (Q24 applies the 219(f)(2)).

2 Replies
Expert Alumni
Mar 11, 2025 4:49:03 PM

No, unfortunately, the community property laws cannot be applied to determine compensation for contributions.  See IRC 408A(a). 219(f)(2).  

 

See Answers to Frequently Asked Questions for Registered Domestic Partnerships (Q24 applies the 219(f)(2)).

Level 1
Mar 11, 2025 5:11:34 PM

Thank you for the information! That makes me wonder why TurboTax did not flag my $7,000 Roth IRA contribution as ineligible or excessive for the federal return.