**2025 Roth IRA contribution limit (age 50+):** $8,000
- $7,000 base limit
- $1,000 catch-up contribution (you qualify if you turn 50 at any point during 2025)
One caveat: your contribution can't exceed your taxable compensation for the year. If you earned $5,000, that's your cap.
**2025 income phase-out for single filers (and head of household):**
| Modified AGI | What you can contribute |
|---|---|
| Under $150,000 | Full $8,000 |
| $150,000 – $165,000 | Reduced amount |
| $165,000 or more | $0 directly |
**If you're in the phase-out range,** the math works like this: multiply $8,000 by the fraction of the range you have left. For example, at a MAGI of $157,500 you're halfway through the $15,000 window, so you could contribute about $4,000. (Technically you round up to the nearest $10, and if the result comes out above $0 but under $200, you can still contribute $200.)
**A couple of other things worth knowing:**
- **Deadline:** April 15, 2026 for 2025 contributions — you have time.
- **Over the limit?** A backdoor Roth (non-deductible traditional IRA contribution converted to Roth) is the usual workaround, but watch out for the pro-rata rule if you have existing pre-tax IRA balances — it can make the conversion partly taxable.
- **Combined limit:** The $8,000 is shared across all your IRAs (traditional + Roth), not per account.
For reference, married filing jointly phases out at $236,000–$246,000 in 2025.