2025 Roth Contribution Limits Married Filing Jointly. Full contributions are allowed for couples earning less than $236,000. In 2025, your magi has to be under $150,000 for single filers or under $236,000 for joint filers to make the full roth ira contribution of $7,000 (or $8,000 if you're 50 or older).

Roth iras have income limits and roth 401(k)s do not. If you plan on doing so, it’s worth knowing the 401(k) contribution limit has increased by $500 to $23,500.