Roth Contribution Limits 2025 Magi Income. In 2025, single filers with a modified adjusted gross income (magi) over $161,000 and married couples with a magi over $240,000 cannot contribute directly to a roth ira. 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.

2025 ira contribution and deduction limits effect of modified agi on deductible contributions if you are covered by a retirement plan at work. Roth ira contribution limits for 2025.