An individual,age 40,who is not subject to the phase-out provision may contribute a deductible amount to a Roth IRA up to $5,000 per year in 2010.

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Individuals over the age of 70.5 are subject to the phase-out provision and cannot contribute to a Roth IRA. Also, the amount of contributions that can be made to a Roth IRA is determined by various factors including income, tax filing status, and age. As of 2010, the maximum contribution limit for those under 50 is $5,000, but whether or not those contributions are deductible depends on the individual's income level and other factors.

An Individual,age 40,who Is Not Subject to the Phase-Out Provision