2025 Roth Ira Income Limits Married Filing Jointly. The limit for annual contributions to roth and traditional individual retirement accounts (iras) for the 2025 tax year was $7,000 or $8,000 if you were age 50 or older. In that situation, the precise limit varies based on.
The exception is if your joint income is now higher than the income limits for roth iras set by the internal revenue service (irs) for couples filing jointly: In 2025, married couples filing jointly can contribute to a roth ira if their magi is less than $230,000.