Roth Ira Contribution Limits 2025 Catch Up 2024

Roth Ira Contribution Limits 2025 Catch Up 2024. For 2025, to contribute the maximum amount, your modified adjusted gross income (magi) must be less than $150,000 (up from $146,000 last year) if single or less than $236,000 (versus $230,000. Under a provision of secure act 2.0, plan participants in a specific age group can now boost their contributions to 401(k) and related plans.

See the chart below for a summary of the new income limits. The maximum roth ira contribution limit for 2025 is the same as for 2024, which is $7,000 for those under 50, and an additional $1,000 in catch up contribution for those 50 and older.