Roth Contribution Limits 2025 Magi Income. The chart below details the modified adjusted gross income (magi) limits for 2025 based on the filing status of the tax return. You are allowed to contribute the full $7,000 to your roth ira if your modified adjusted gross income (magi) is less than $146,000 in 2025.
However, for 2025, you can’t contribute to a roth ira if you’re married filing jointly with an income over $240,000, or filing single with an income of more than $161,000. There are no age requirements.