Maximum Roth Ira Contribution 2025 Married Filing Separately. Learn how much you can contribute to roth and traditional iras in 2025, and what factors affect your eligibility and deductibility. If you’re married filing jointly or a qualifying widow(er):
If you file separately and did not live with your spouse at any time during the year, your ira deduction is determined under the single filing status. 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).