2025 Roth Ira Limits Income Tax. The contribution limit for a roth ira is $7,000 (or $8,000 if you are over 50) in 2025. The top marginal income tax rate is 37 percent under the 2017 tax cuts and jobs act.
Find out if your modified adjusted gross income (agi ) affects your roth ira contributions. To be eligible to contribute the maximum amount in 2025, your modified adjusted gross income (magi) must be less than $146,000 (up from $138,000 last year).