Roth IRA income limits for 2025

To contribute up to the limit in a Roth IRA, your modified adjusted gross income must be below a certain threshold, which did change for 2025:

The income phase-out range for taxpayers making contributions to a Roth IRA increased to between $150,000 and $165,000 for single or head of household. That’s up from between $146,000 and $161,000.

For married couples filing jointly, the income phase-out range increased to between $236,000 and $246,000, up from between $230,000 and $240,000.

The phase-out range for married filing separately is not subject to an annual cost-of-living adjustment, according to the IRS, and remains between $0 and $10,000.