Ira Limits 2024 And 2025 Roth. The roth ira income limit to make a full contribution in 2025 is less than $150,000 for single filers, and less than $236,000 for those. The limit for annual contributions to roth and traditional individual retirement accounts (iras) for the 2024 and 2025 tax years is $7,000 or $8,000 if you are age 50 or older.

The maximum roth ira contribution limit for 2025 is the same as for 2024, which is $7,000 for those under 50, and an additional $1,000 in catch up. If you file taxes as a single person, your modified adjusted gross income (magi) must be under $153,000 for tax year 2023 and $161,000 for tax year 2024 to contribute to a roth ira, and if you’re married and filing jointly, your magi.