Magi Limits Roth Ira 2025. Joint filers can make full contributions with magi up to $230,000. 2025 roth ira income limits 2025 married.
If you file taxes as a single person, your modified adjusted gross income (magi) must be under $153,000 for tax year 2025 and $161,000 for tax year 2025 to contribute to a roth ira, and if you’re married and file jointly, your magi must be under $228,000 for tax year 2025 and $240,000 for tax year 2025. $8,000 if you’re age 50 or older.