On https://www.rothira.com/roth-ira-rules it says that the amount you can contribute to a roth ira is based on your modified adjusted gross income (MAGI).

This would be line 37 from your 1040 (your AGI) plus certain deductions like student loan interest and other tex exemptions. So if you have these, your MAGI would be higher than your AGI. So I take from that if your MAGI is under $120k, you can
contribute the full $5500 ($6500 over 50 years of age). Between $120k and $135k it phases out, and above $135k you cannot contribute to a Roth IRA.

However on the calculator at https://www.rothira.com/tools/calculator, it starts off asking for "gross combined income".

Surely this is not correct. Gross income is not the same as MAGI.

So on which income is Roth Ira eligibility based?

thanks

Roger

--- SoupGate-Win32 v1.05
* Origin: fsxNet Usenet Gateway (21:1/5)