topic Roth IR Contribution MAGI Adjusted for Military Pension in Retirement tax questions

Roth IR Contribution MAGI Adjusted for Military Pension

Harley61 — Mon, 23 Feb 2026 13:10:29 GMT

Confusion still seems to be around if a military pension is included in the MAGI worksheet. IRS Pub 590-A Says a military pension is not classified as income earned, and when I go to TurboTax, Federal Taxes, Deductions and Credits, it says I cannot contribute to my Roth IRA as I am above my max MAGI to make a contribution. Yet, when I look in Turbotax, it says to look at line 7 on my 1040 to find my AGI. Line 7 in Turbotax on the 1040 indicates Capital gain or (loss). I don't see anywhere my MAGI has been adjusted to back out my Military Pension to show a reduced MAGI to only show only earned wages. Last post I read says this was fixed in 2020 version, but am not seeing the fix in the 2022 software, so wondering if the military pension is really backed out of MAGI calculations as is indicated in IRS Pub 590-A.

Re: Roth IRA Contribution MAGI Adjusted for Military Pension

Harley61 — Tue, 07 Feb 2023 00:18:01 GMT

Original post had incorrect subject line, said Roth IR and should have said Roth IRA.

Re: Roth IR Contribution MAGI Adjusted for Military Pension

dmertz — Tue, 07 Feb 2023 00:44:00 GMT

AGI is on line 11 of 2022 Form 1040. The taxable amount of your pension is includible in your AGI and therefore is part of your MAGI. There is no subtraction for a military pension.

See Worksheet 2-1 in IRS Pub 590-A for calculating your MAGI for the purpose of determining eligibility to make a Roth IRA contribution. Nowhere on that worksheet is there any mention of a military pension: https://www.irs.gov/publications/p590a#en_US_2021_publink100025085