Roth Ira Maximum Contribution 2025. For joint filers, in 2024 your magi must be under $230,000. For 2025, to contribute the maximum amount, your modified adjusted gross income (magi) must be less than $150,000 (up from $146,000 last year) if single or less than $236,000 (versus $230,000.

However, if you are above the income threshold, you cannot make a direct roth ira contribution. If you fall within either range, you can make a partial contribution.