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Who can contribute to a SIMPLE Roth IRA?

Employees who are eligible to participate in their employer’s SIMPLE IRA plan can generally choose to make Roth salary deferrals if the employer has adopted the SIMPLE Roth IRA feature. Eligibility is determined by the employer’s plan rules, not by personal income level.

Unlike Roth IRAs, SIMPLE Roth IRAs do not have income limits that restrict participation. Instead, eligibility depends on whether the employer allows Roth contributions and whether the employee meets the plan’s participation requirements.

Employees may be able to split contributions between pre-tax and Roth deferrals if the plan allows both options.