{"id":7136,"date":"2024-11-01T22:30:23","date_gmt":"2024-11-01T22:30:23","guid":{"rendered":"https:\/\/finderica.com\/roth-ira-income-limits-for-2025\/"},"modified":"2024-11-01T22:30:23","modified_gmt":"2024-11-01T22:30:23","slug":"roth-ira-income-limits-for-2025","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=7136","title":{"rendered":"Roth IRA income limits for 2025"},"content":{"rendered":"
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D3sign | Moment | Getty Images<\/p>\n<\/div>\n<\/div>\n<\/div>\n

<\/a>Roth IRA income phaseouts for 2025<\/h2>\n
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To contribute up to the limit in a Roth IRA, your modified adjusted gross income, or MAGI, must be below a certain threshold, which did change for 2025:<\/p>\n

The income phaseout range for taxpayers making contributions to a Roth IRA increased to between $150,000 and $165,000 for single or head of household. That’s up from between $146,000 and $161,000. Those taxpayers can make partial Roth contributions.<\/p>\n

Taxpayers using either of those filing statuses can make a full Roth contribution if their MAGI is under $150,000. They cannot contribute to a Roth at all if their MAGI is above $165,000.<\/p>\n

For married couples filing jointly, the income phaseout range increased to between $236,000 and $246,000, up from between $230,000 and $240,000. Those taxpayers can make partial Roth contributions.<\/p>\n

Married couples filing jointly can make a full Roth contribution if their MAGI is under $236,000. They cannot contribute to a Roth at all if their MAGI is above $246,000.<\/p>\n

The phaseout range for married filing separately is not subject to an annual cost-of-living adjustment, according to the IRS, and remains between $0 and $10,000.<\/p>\n<\/div>\n

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Higher earners may be able to bypass the income limits with mega backdoor Roth conversions, which shift after-tax 401(k) contributions to a Roth account. However, not all 401(k) plans allow this strategy.<\/p>\n

The latest IRS update comes about one week after the agency revealed dozens of inflation adjustments for 2025, including federal income tax brackets, higher capital gains brackets, a bigger estate and gift tax exemption, and changes to eligibility for the earned income tax credit, among others.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/p>\n

Correction: Married couples filing jointly cannot contribute to a Roth at all if their MAGI is above $246,000. An earlier version misstated the figure.<\/em><\/p>\n<\/div>\n<\/div>\n

Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

D3sign | Moment | Getty Images Roth IRA income phaseouts for 2025 To contribute up to the limit in a Roth IRA, your modified adjusted gross income, or MAGI, must be below a certain threshold, which did change for 2025: The income phaseout range for taxpayers making contributions to a Roth IRA increased to between<\/p>\n","protected":false},"author":1,"featured_media":7137,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[196],"tags":[331,1569,1438,1568],"class_list":{"0":"post-7136","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-finance-news","8":"tag-income","9":"tag-ira","10":"tag-limits","11":"tag-roth"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/7136","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=7136"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/7136\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/7137"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7136"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7136"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7136"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}