2011 Roth IRA Eligibility
Your 2011 Roth IRA eligibility is based on you having 1) taxable compensation, 2) your filing status, and 3) the level of your modified adjusted gross income or AGI.
2011 Roth IRA Eligibility if you are married and filing jointly:
If you are married and filing jointly (or you are a qualified widower) and your adjusted gross income, AGI, is less than $169,000 then you are eligible to make a 2011 maximum Roth IRA contribution of $5000. If your AGI is more than $169,000 but less than $179,000 then the amount you can contribute to a Roth IRA is reduced. If your AGI is above $179,000 then you are not eligible to contribute to a Roth IRA for 2011.
If you are married and filing separately and have lived with your spouse then your AGI has to be less than $10,000.
2011 Roth IRA Eligibility if your filing status is Single:
If you are filing as single, head of household and your AGI is less than $107,000 then you are eligible to make a 2011 maximum Roth IRA contribution of $5000. You cannot make a Roth IRA contribution in 2011 if your modified AGI is more than $122,000.