IRA income requirements and contribution limits
The Internal Revenue Service (IRS) sets annual limits on contributions and deductions for traditional IRAs and contributions to Roth IRAs. Use our IRA contribution and limit calculator to see how much you can contribute and deduct based on your income and tax filing status.
2024 and 2025 traditional and Roth IRA contribution limits by age
Age-based IRA contribution limits for 2025 remain the same as IRA contribution limits for 2024.
- Under 50 years old: You can contribute $7,000.
- 50 and older: You can contribute $8,000.
2025 Roth IRA income requirements and contribution limits
Roth IRA income and contribution limits are based on your modified adjusted gross income (MAGI) and your tax filing status. You might be able to make a partial contribution if you fall within a certain income range, as noted below.
MAGI |
Contribution limit |
|
Single individuals |
<$150,000 |
Under age 50: $7,000 |
≥$150,000 but <$165,000 |
Partial contribution |
|
≥$165,000 |
Not eligible |
|
Married |
<$236,000 |
Under age 50: $7,000 |
≥$236,000 but <$246,000 |
Partial contribution |
|
≥$246,000 |
Not eligible |
|
Married |
<$10,000 |
Partial contribution |
≥$10,000 |
Not eligible |
2025 traditional IRA deduction limits
Traditional IRA deduction limits are based on your modified adjusted gross income (MAGI), your tax filing status and whether you (and/or your spouse) are covered by a retirement plan at work. Please note: Even if your earned income is over the limits below, you might still be able to make a non-deductible contribution up to the annual limit.
If you are not covered by a retirement plan at work:
MAGI |
Deduction limit |
|
Single |
Any amount |
Full deduction up to the amount of your contribution limit |
Married |
Any amount |
Full deduction up to the amount of your contribution limit |
Married |
≤$236,000 |
Full deduction up to the amount of your contribution limit |
>$236,000 but <$246,000 |
Partial deduction |
|
≥$246,000 or more |
No deduction |
|
Married |
<$10,000 |
Partial deduction |
≥$10,000 |
No deduction |
|
Married |
Any amount |
Full deduction up to the amount of your contribution limit |
If you are covered by a retirement plan at work:
MAGI |
Deduction limit |
|
Single |
≤$79,000 |
Full deduction up to the amount of your contribution limit |
>$79,000 but <$89,000 |
Partial deduction |
|
≥$89,000 |
No deduction |
|
Married |
≤$126,000 |
Full deduction up to the amount of your contribution limit |
>$126,000 but <$146,000 |
Partial deduction |
|
≥$146,000 |
No deduction |
|
Married |
≤$10,000 |
Partial deduction |
>$10,000 |
No deduction |
|
Married |
≤$79,000 |
Full deduction up to the amount of your contribution limit |
>$79,000 but <$89,000 |
Partial deduction |
|
≥$89,000 |
No deduction |
We’re here to help.
Give us a call at 844-TIAA IRA (844-842-2472) Monday – Friday 8 a.m. – 7 p.m. ET, or schedule an appointment.
