Gemini on Question 49, Sep 16
What's the 2025 Roth IRA contribution limit if I'm 50, and what's the income phase-out range for a single filer?For the 2025 tax year, here are the rules that apply to you based on your age and filing status:
1. Your Maximum Contribution Limit: $8,000
Because you are 50 years old, you qualify for the IRS "catch-up" contribution.
- •Base limit: $7,000
- •Age 50+ Catch-up: $1,000
- •Total allowed: $8,000
2. Your Income Phase-Out Range: $150,000 to $165,000
As a single filer, your ability to contribute directly to a Roth IRA depends on your Modified Adjusted Gross Income (MAGI). For 2025, the limits are:
- •If your MAGI is under $150,000: You can contribute the full $8,000.
- •If your MAGI is between $150,000 and $165,000: Your contribution limit is reduced (phased out). You can contribute a partial amount.
- •If your MAGI is $165,000 or higher: You cannot contribute directly to a Roth IRA.
A quick tip if you are over the income limit:
If your income exceeds $165,000, you can still get money into a Roth IRA using a legal strategy known as the "Backdoor Roth IRA." This involves making an $8,000 non-deductible contribution to a Traditional IRA and then immediately converting it to a Roth IRA.
Note: You have until tax day (typically April 15, 2026) to make your 2025 IRA contributions.
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