What are the income limits for contributing to a Roth IRA in 2025?
For 2025, your ability to contribute to a Roth IRA phases out based on modified adjusted gross income (MAGI). Single filers can contribute the full $7,000 ($8,000 if 50+) up to $150,000 of MAGI, with a partial amount allowed up to $165,000, and nothing above that. For married filing jointly, the full amount is allowed up to $236,000, phasing out completely at $246,000. Married filing separately phases out fast (over just $10,000) if you lived with your spouse. If you earn too much for a direct Roth contribution, the backdoor Roth strategy is a legal workaround. Traditional IRA contributions have no income cap, though the deduction may be limited. Always confirm your MAGI before contributing to avoid an excess-contribution penalty.
Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →