Roth Ira Contribution Limits 2025 Married Filing Jointly. 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. Ira contribution limits will not increase in 2025;

If you are married and file jointly, your limit may be limited by your spouse’s income if you have no income yourself and are contributing to a spousal ira. Each spouse can have their own roth ira, allowing both to contribute.