Roth Ira Limits 2025 Married Filing Separately. Depending on your magi, filing status, and earned income, you may be able to make the federal maximum contribution to your roth ira ($7,000 for those under 50; If you have a traditional ira, a roth ira―or both―the maximum combined amount you may contribute annually across all your iras.
The limit for annual contributions to roth and traditional individual retirement accounts (iras) for the 2023 tax year was $6,500 or $7,500 if you were age 50 or older. 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: