Roth Ira Limits 2025 Income Based. For single filers, contributions begin to phase out at $150,000 and are completely. The maximum amount you can contribute to a roth ira for 2025 and 2024 is $7,000 if you're younger than age 50.

For single filers, in 2024 your modified adjusted gross income (magi) must be under $146,000. If you’re a single filer, you’re eligible to contribute a portion of the full amount if your magi is $150,000 or more, but.