Claude on Question 49, Sep 18

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 total — that's the $7,000 base limit plus the $1,000 catch-up contribution for anyone who is 50 or older by December 31, 2025.

Note that the $1,000 catch-up stayed flat for 2025 (it's now inflation-indexed under SECURE 2.0, but the adjustment didn't round up enough to move it).

2025 Single Filer Phase-Out (MAGI)

Modified AGI	What you can contribute
Under $150,000	Full $8,000
$150,000 – $164,999	Reduced (partial) amount
$165,000 or more	$0 directly

For reference, married filing jointly phases out from $236,000 to $246,000, and married filing separately (if you lived with your spouse at any point in the year) is a brutal $0 to $10,000.

A few practical notes

•Earned income requirement: You can't contribute more than your taxable compensation for the year. If you earned $5,000, that's your cap.
•Deadline: You have until April 15, 2026 to make 2025 contributions.
•Partial phase-out math: In the $150k–$165k band, you reduce proportionally based on how far into the range you are, then round up to the nearest $10 (with a $200 minimum if the formula yields anything above zero).
•Over the limit? A backdoor Roth (nondeductible traditional IRA contribution → conversion) is the common workaround, but watch out for the pro-rata rule if you have existing pre-tax IRA balances — it can make the conversion largely taxable.
•This is also separate from your 401(k), where the 2025 limit is $23,500 plus a $7,500 catch-up at age 50.

Worth confirming your exact MAGI figure with a tax professional if you're near the edge of the phase-out range, since MAGI for Roth purposes has its own add-backs.

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Sep 18, the whole day Question 49, every day

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## 2025 Roth IRA Contribution Limit (Age 50)
**$8,000 total** — that's the $7,000 base limit plus the $1,000 catch-up contribution for anyone who is 50 or older by December 31, 2025.
Note that the $1,000 catch-up stayed flat for 2025 (it's now inflation-indexed under SECURE 2.0, but the adjustment didn't round up enough to move it).
## 2025 Single Filer Phase-Out (MAGI)
| Modified AGI | What you can contribute |
|---|---|
| Under $150,000 | Full $8,000 |
| $150,000 – $164,999 | Reduced (partial) amount |
| $165,000 or more | $0 directly |
For reference, married filing jointly phases out from **$236,000 to $246,000**, and married filing separately (if you lived with your spouse at any point in the year) is a brutal **$0 to $10,000**.
## A few practical notes
- **Earned income requirement:** You can't contribute more than your taxable compensation for the year. If you earned $5,000, that's your cap.
- **Deadline:** You have until **April 15, 2026** to make 2025 contributions.
- **Partial phase-out math:** In the $150k–$165k band, you reduce proportionally based on how far into the range you are, then round up to the nearest $10 (with a $200 minimum if the formula yields anything above zero).
- **Over the limit?** A backdoor Roth (nondeductible traditional IRA contribution → conversion) is the common workaround, but watch out for the **pro-rata rule** if you have existing pre-tax IRA balances — it can make the conversion largely taxable.
- **This is also separate from your 401(k)**, where the 2025 limit is $23,500 plus a $7,500 catch-up at age 50.
Worth confirming your exact MAGI figure with a tax professional if you're near the edge of the phase-out range, since MAGI for Roth purposes has its own add-backs.

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