I got married last year and income is now over max for Roth IRA contributions. Steps/resources to edit Roth contributions prior to filing taxes?

[sabby22]

I have been contributing diligently to my Roth IRA for many years as a single filer. I got married last year and now our combined income is above the maximum limit. I know conceptually that I should transfer the 2025 contributions into a traditional Roth before we file 2025 taxes. We will be filing jointly. Do you have any resources/step-by-step process to ensure I do this all correctly?

[Karis_F · Accepted solution]

For 2025, taxpayers filing Married Filing Jointly cannot contribute to a Roth IRA if your modified adjusted gross income (MAGI) is over $236,000.

If you over-contributed to your Roth IRA, you have several options for how to handle the excess contribution. You can:

• Withdraw the excess contribution plus earnings
• recharacterize the Roth IRA contribution as a traditional IRA contribution
• Apply the excess to next year 
• Or, remove only the excess contribution after your tax deadline

See this TurboTax article for information on what do if you made too much to contribute to a Roth IRA.

See this TurboTax article for information on who can contribute to a Roth IRA, including details on income limits.