Roth Ira Limits 2025 Phase Out In India. Your personal roth ira contribution limit, or eligibility to contribute at all, is. Contribution limits are enforced across traditional iras and roth iras, but income limits only apply to roth.
If you file taxes as a single person, your modified adjusted gross income (magi) must be under $153,000 for tax year 2025 and $161,000 for tax year 2025 to contribute to a roth. Above it, you are allowed none at all.