Roth Income Limits 2025 Married Filing Jointly Over 50. Contribution limits to 401(k)s and other defined contribution plans. To make a full roth ira contribution for 2025, the eligibility is an income limit below $150,000 for single filers and below $236,000 for married couples filing jointly.
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. As the cost of living continues to rise, planning for retirement remains a top priority for many americans.