To contribute to a Traditional IRA, you must be under age 70 To contribute to a Roth IRA, you can be any age and must have taxable compensation within certain income levels. For single filers, eligibility to contribute to a Roth IRA phases out between $118,000 and $133,000 of modified adjusted gross income (for 2017), and for joint filers, eligibility phases out between $186,000 and $196,000 of modified adjusted gross income (for 2017).