Check the Massachusetts IRA contribution limit and eligibility for a given year.
Massachusetts IRA contribution guidance based on 2026-era federal limits ($7,000 / $8,000 50+). Roth IRAs phase out by income; married couples share higher thresholds. Confirm current IRS figures.
Eligible
Eligible = limit × (income phase-out factor)
Reference limits — verify the current IRS contribution limits.
A working spouse can fund an IRA for a non-working spouse, doubling the limit — same income rules.
Rates are approximate state or national reference values. Local rates, exemptions and rules can differ, so treat the output as a planning figure only.