D3sign | Instant | Getty Images
Roth IRA income phase out for 2025
To contribute up to the limit in a Roth IRA, your modified adjusted gross income, or MAGI, must be below a certain threshold, which changed for 2025:
The income phase-out range for taxpayers contributing to a Roth IRA increased to between $150,000 and $165,000 for singles or heads of household. This represents between $146,000 and $161,000. These taxpayers can make partial Roth contributions.
Taxpayers using either of these filing statuses can make a full Roth contribution if their MAGI is less than $150,000. They can’t contribute to a Roth at all if their MAGI is over $165,000.
For married couples filing jointly, the income phase-out range increased from $230,000 to $240,000, from $230,000 to $240,000. These taxpayers can make partial Roth contributions.
Married couples filing jointly can make a full Roth contribution if their MAGI is less than $236,000. They cannot contribute to a Roth at all if their MAGI is above $246,000.
The phase-out range for separately married filings is not subject to an annual cost-of-living adjustment, according to the IRS, and remains between $0 and $10,000.
High earners may be able to bypass income limits through mega backdoor Roth conversionsthat transfer after-tax 401(k) contributions to a Roth account. However, not all 401(k) plans allow this strategy.
The latest update from the IRS comes about a week after the agency revealed dozens of inflation adjustments for 2025, including federal income tax bracketshigher capital gains bracketsa bigger one exemption from inheritance and gift taxand changes to eligibility for earned income tax creditamong others.
Correction: Married couples filing jointly cannot contribute to a Roth at all if their MAGI is more than $246,000. An earlier version incorrectly stated this figure.
This is breaking news. Please refresh for updates.
