2025 Roth Ira Contributions

2025 Roth Ira Contributions. The additional amount individuals 50 or older may contribute to. The contribution limits for a traditional or roth ira increased last year but remain steady for 2025.

For 2025, to contribute the maximum amount, your modified adjusted gross income (magi) must be less than $150,000 (up from $146,000 last year) if single or less than $236,000 (versus $230,000. As your income grows, the ability to contribute directly to a roth ira is phased out.