Roth Ira Limits 2025 Married Filing Jointly Over 50. For 2025, the ira contribution limits are $7,000 for those under age 50 and $8,000 for those age 50 or older. If your modified agi is less than $230,000, then you are able to contribute up to the $7,000 contribution limit ($8,000 if you’re age 50 or older) in 2025.
If your modified agi is less than $230,000, then you are able to contribute up to the $7,000 contribution limit ($8,000 if you’re age 50 or older) in 2025. Those are the caps even if you make more, up to the phaseout level.