Roth IRA Contribution Limits for 2025
Roth IRA contribution limits are unchanged from 2024. Here's a look at 2025 limits and income-based phaseouts.

Roth IRAs are a great way to save for retirement, allowing you to contribute after-tax dollars to an account in which the contributions and earnings grow tax-free. The contribution limits for 2025 are unchanged from 2024, the IRS recently announced.
Don't forget you can open and contribute to a 2025 Roth IRA until the due date of your 2025 tax return on Tuesday April 15, 2026.
Here's what you need to know about 2025 Roth IRA contribution and income limits.

Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
2025 Roth IRA contribution limits and income limits
The maximum amount you can contribute to a Roth IRA for 2025 is $7,000 if you're younger than age 50. This is unchanged from 2024. If you're age 50 and older, you can add an extra $1,000 per year in "catch-up" contributions, bringing the total contribution to $8,000.
The actual amount that you are allowed to contribute to a Roth IRA is based on your income. To be eligible to contribute the maximum amount in 2025, your modified adjusted gross income (MAGI) must be less than $150,000 (up from $146,000 in 2024) if single or less than $236,000 (versus $230,000 in 2024) if married and filing jointly.
Contributions begin phasing out above those amounts, and you can't put any money into a Roth IRA once your income reaches $165,000 if a single filer or $246,000 if married and filing jointly in 2025.
Roth IRAs vs. traditional IRAs: What's the difference?
Unlike contributions to a traditional IRA, which may be tax-deductible, a Roth IRA has no up-front tax break. Money goes into the Roth after it has already been taxed. But when you start pulling money out in retirement, your withdrawals will be tax-free.
Also, Roths — unlike traditional IRAs — are not subject to required minimum distributions (RMDs) after age 73.
Roths are also more flexible than traditional, deductible IRAs. You can withdraw contributions from a Roth account anytime, tax- and penalty-free. But you must be at least age 59-1/2, and you must have owned the Roth for at least five years. The clock on the five-year holding period starts ticking on January 1 of the year you open the account.
You can open a Roth IRA through a bank, brokerage, mutual fund or insurance company, and you can invest your retirement money in stocks, bonds, mutual funds, exchange-traded funds and other approved investments. You have until the federal tax filing deadline to make your Roth IRA contribution for the prior year.
Roth IRA Pros | Roth IRA Cons |
Tax-free growth | Taxable contributions |
Qualified distributions are tax free | Not available for high-income earners |
Contribute to another person's Roth account as a gift | Lower income limits to contribute |
No required minimum distributions (RMDs) after age 73 | Rollovers from traditional plans are taxable |
Contributions can be withdrawn at any time, penalty- and tax-free | Earnings can’t be withdrawn tax-free until the account is at least five years old and you are age 59-½. |
Offers tax diversification in retirement | Relatively low contribution maximums |
Row 7 - Cell 0 | Row 7 - Cell 1 |
Is a Roth IRA right for you?
There isn't a minimum age limit to open a Roth IRA, and you can contribute to another person's Roth account as a gift — perfect for parents looking to kick-start a child's retirement savings. Two caveats: Recipients must have earned income, and you can only contribute an amount up to that person's annual earnings or $7,000, whichever is less.
Financial experts generally recommend Roths for people who anticipate a greater tax burden in retirement, whether because of rising income or higher tax rates in general. By paying the taxes on those contributions while your income or tax rate is lower, you’ll reap the benefit of tax-free money later when it counts more. This is especially true for someone who plans to retire in 2026 or later.
Unless Congress intervenes, current income tax rates are supposed to sunset at the end of 2025 and revert to 2017 income tax rates beginning January 1, 2026. If that happens, here’s a sample of what you can expect: The current 12% rate becomes 15%, the 22% rate rises to 25%, and the 24% rate jumps to 28%.
Roths can also provide valuable tax diversification in retirement and can be a great way to balance other sources of income, such as withdrawals from a 401(k) or Roth IRA and Social Security payments. For instance, those tax-free Roth withdrawals in retirement won’t contribute to your taxable income, which is used to determine how much you pay for Medicare, including any surcharges (also known as income-related monthly adjustment amounts or IRMAAs).
Finally, note that if you invest in both a Roth IRA and a traditional IRA, the total amount of money you contribute to both accounts can't exceed the annual limit. If you do exceed it, the IRS might hit you with a 6% excessive contribution penalty.
Roth IRA savings tips
To make the most of saving for retirement in your Roth IRA:
- Max out your contributions. For each year that you're able, aim to hit the $7,000 limit.
- Once you turn 50, add another $1,000 to that limit annually. You can add funds to your Roth for as long as you have earnings from work.
- Avoid withdrawing funds you contributed to your account, even though you can do so without penalties or taxes. Letting that money grow in the account over many years means a bigger nest egg in retirement.
Want more guidance on retirement savings? Sign up for Kiplinger's six-week series, Invest for Retirement.
Related Content
- Roth 401(k) Contribution Limits For 2025
- IRA and 401(k) Contribution Limit Changes for 2025: What to Know
- 457 Contribution Limits for 2024
- Backdoor Roth IRAs: Retirees, Make the Most of a Roth's Back Door
Get Kiplinger Today newsletter — free
Profit and prosper with the best of Kiplinger's advice on investing, taxes, retirement, personal finance and much more. Delivered daily. Enter your email in the box and click Sign Me Up.
Jackie Stewart is the senior retirement editor for Kiplinger.com and the senior editor for Kiplinger's Retirement Report.
- Kathryn PomroyContributor
- Erin BendigPersonal Finance Writer
-
Microsoft Stock: Innovation Spurs Its 100,000% Return
Microsoft's ability to recognize the "next big thing" has allowed sales – and its share price – to grow exponentially over the years.
By Louis Navellier Published
-
6 Great Vacation Ideas for Wheelchair Users
These six places provide plenty of travel inspiration for people who use wheelchairs.
By Becca van Sambeck Published
-
Three Essential Estate Planning Steps to Protect Your Nest Egg
After dedicating years to building your wealth and securing your future, make sure your assets are protected and your loved ones are provided for in the future.
By Nicole Farbo, CFP® Published
-
Is Chasing the American Dream Ruining Your Financial Life?
Too many people focus on visible affluence as a marker of success. Here's how to avoid succumbing to the pressure and driving yourself into debt.
By Anthony Martin Published
-
Retiring With a Pension? Four Things to Know
The road to a secure retirement is slightly more intricate for people with pensions. Here are four key issues to consider to make the most out of yours.
By Joe F. Schmitz Jr., CFP®, ChFC® Published
-
Revocable Living Trusts: The Good, the Bad and the Ugly
People are conditioned to believe they should avoid probate at all costs, but when compared with living trusts, probate could be a smart choice for some folks.
By Charles A. Borek, JD, MBA, CPA Published
-
How to Plan for Retirement When Your Child Has Special Needs
When your child has special needs, your retirement plan should include a plan for when you'll no longer be able to care for them yourself. A five-step guide.
By Christopher M. Butterworth, ChSNC®, CRPS, CLU® Published
-
My Husband Is Terrible With Money. I Worry He'll Quickly Spend Our $1.3 Million Nest Egg. How can I Ever Retire?
We asked expert financial advisers and therapists to weigh in.
By Eileen Ambrose Published
-
Tax Advantages of Oil and Gas Investments: What You Need to Know
Tax incentives allow for deductions and potential tax-free earnings — benefits accessible only to accredited investors in small producer projects.
By Daniel Goodwin Published
-
Charitable Contributions: Five Frequently Asked Questions
Make the most of your good intentions by understanding the ins and outs of charitable giving. A good starting point is knowing what's deductible and what isn't.
By Stephen B. Dunbar III, JD, CLU Published