Determining your eligibility for a Roth IRA can be frustrating. One basic constraint is income. In order to be eligible, you must have a 2020 Modified Adjusted Gross Income:
Below $139,000 if you are filing as Single or Head of Household
Below $206,000 if you are Married filing Jointly
Below $10,000 if you are Married filing Separately
Note that those limits are not based on income, but on your Modified Adjusted Gross Income (MAGI). In order to calculate your MAGI, check out this article.
If your MAGI is below the listed amount for your filing status, you can contribute to a Roth IRA.
How much can I contribute to my Roth IRA?
If you are below 50 and below the max contribution MAGI (see below) you can contribute $6,000. If you are over 50 and below the max contribution MAGI, you can contribute an additional $1,000 for total of $7,000.
To make the maximum contribution, you must have a MAGI:
Below $124,000 if you are filing as Single or Head of Household
Below $193,000 if you are Married filing Jointly
Below $0 if you are Married filing Separately
If you are still eligible, but earn more than the amount for the maximum contribution, you are able to contribute an amount that is phased out. To determine your exact contribution limit, you can use the IRS Publication 590-A, or this neat calculator.