Can I contribute to a Roth IRA if I am receiving Social Security?

Yes, you can contribute to a Roth IRA while receiving Social Security, as long as you have earned income (e.g., wages, self-employment income) and your modified adjusted gross income (MAGI) is within the IRS limits for Roth IRA contributions. Social Security benefits are not considered earned income, so you need other sources of earned income to contribute. 

For 2025, the contribution limit is $7,000 ($8,000 if age 50 or older), and the MAGI phase-out ranges are:

• Single filers: $153,000–$173,000
• Married filing jointly: $240,000–$260,000

If your MAGI exceeds these limits, you may not be able to contribute directly to a Roth IRA, but you could consider a backdoor Roth IRA if eligible.