Claude on Question 49, Sep 17
What's the 2025 Roth IRA contribution limit if I'm 50, and what's the income phase-out range for a single filer?2025 Roth IRA contribution limit (age 50+): $8,000
- •Standard limit: $7,000
- •Catch-up contribution (age 50 or older): $1,000
2025 income phase-out range for single filers (based on MAGI):
- •Under $150,000 — you can contribute the full $8,000
- •$150,000 – $165,000 — your allowable contribution phases down proportionally
- •$165,000 or more — you can't contribute directly to a Roth IRA
A few things worth knowing:
- •Your contribution can't exceed your earned income for the year. If you earned $5,000, that's your cap.
- •The deadline for 2025 contributions is April 15, 2026 — you don't have to wait for the calendar year to close.
- •If you're over the limit, the "backdoor Roth" (contributing to a traditional IRA, then converting) is a common workaround, but watch out for the pro-rata rule if you hold pre-tax money in any traditional, SEP, or SIMPLE IRA — that can make the conversion partly taxable.
- •For reference, the married-filing-jointly range is $236,000 – $246,000, and married-filing-separately (if you lived with your spouse) is $0 – $10,000.
Also, if you have a 401(k), note the age 60–63 "super catch-up" from SECURE 2.0 applies to workplace plans only — the IRA catch-up stays at $1,000.
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Highlighted: the required figures found (3 of 3).
**2025 Roth IRA contribution limit (age 50+):** $8,000
- Standard limit: $7,000
- Catch-up contribution (age 50 or older): $1,000
**2025 income phase-out range for single filers (based on MAGI):**
- **Under $150,000** — you can contribute the full $8,000
- **$150,000 – $165,000** — your allowable contribution phases down proportionally
- **$165,000 or more** — you can't contribute directly to a Roth IRA
A few things worth knowing:
- **Your contribution can't exceed your earned income** for the year. If you earned $5,000, that's your cap.
- **The deadline for 2025 contributions is April 15, 2026** — you don't have to wait for the calendar year to close.
- **If you're over the limit**, the "backdoor Roth" (contributing to a traditional IRA, then converting) is a common workaround, but watch out for the pro-rata rule if you hold pre-tax money in any traditional, SEP, or SIMPLE IRA — that can make the conversion partly taxable.
- **For reference**, the married-filing-jointly range is $236,000 – $246,000, and married-filing-separately (if you lived with your spouse) is $0 – $10,000.
Also, if you have a 401(k), note the age 60–63 "super catch-up" from SECURE 2.0 applies to workplace plans only — the IRA catch-up stays at $1,000.
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