How Much Can I Contribute to an IRA?

Many factors can affect your eligibility and contribution limits to either the traditional IRA or Roth IRA: tax filing status, your current earned income level, and whether or not you participate in a retirement plan at work. Use this calculator to help you determine whether or not you are eligible to contribute to both the traditional IRA and Roth IRA as well as the maximum amount that may be contributed.
Income and Tax Status
Contribution tax year 
Modified adjusted gross income ($) 
Tax filing status 
Employment Information and Assumptions
YouSpouse
(if applicable)
Do you participate in a retirement plan at work?
Annual earned income ($)
Age at end of year
   
No bank guarantee • Not a deposit • Not FDIC/NCUA insured
May lose value • Not insured by any federal government agency

This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state, or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. Pacific Life, Pacific Life Funds, their distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each company is solely responsible for the financial obligations accruing under the products it issues. Insurance product and rider guarantees are backed by the financial strength and claims-paying ability of the issuing company and do not protect the value of the variable investment options.

The results and explanations generated by this calculator may vary due to user input and assumptions. Pacific Life does not guarantee the accuracy of the calculations, results, explanations, nor applicability to your specific situation. We recommend that you use this calculator as a guideline only and ultimately seek the guidance of an experienced professional. CalcXML, the provider of this information and interactive calculator, is an independent third-party and is not affiliated with Pacific Life.

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