Claude on Question 49, Sep 22

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 — that's the $7,000 standard limit plus the $1,000 catch-up contribution for those 50 and older.

2025 single filer phase-out range (based on modified AGI):

•Under $150,000 — full $8,000 contribution allowed
•$150,000 to $165,000 — reduced (partial) contribution
•$165,000 or more — not eligible to contribute directly

For reference, married filing jointly phases out from $236,000 to $246,000, and married filing separately (if you lived with your spouse) phases out from $0 to $10,000.

A couple of things worth knowing:

•Your contribution is also capped by your earned income (taxable compensation) for the year.
•You have until the tax filing deadline — April 15, 2026 — to make 2025 contributions.
•If you're over the income limit, a "backdoor Roth" (nondeductible traditional IRA contribution converted to Roth) is a common workaround, though the pro-rata rule can create a tax bill if you hold other pre-tax IRA money.

For 2026, the limits increase to $7,500 plus a $1,100 catch-up ($8,600 total), with the single filer phase-out at $153,000–$168,000 — worth confirming on IRS.gov if you're planning ahead.

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Sep 22, the whole day Question 49, every day

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Model: anthropic/claude-opus-5
pinned anthropic/claude-opus-5-20260723; alias resolved to anthropic/claude-opus-5-20260723 at 2026-09-22 09:00:21 UTC (matches the pin)
Date: 2026-09-22 · run 20260922T090022Z-7ff13b · scorer v1
Scored: answered · correct
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Permalink: https://modeldrift.watch/r/2026-09-22/H36/anthropic/claude-opus-5/

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Highlighted: the required figures found (3 of 3).

**2025 Roth IRA contribution limit (age 50+):** $8,000 — that's the $7,000 standard limit plus the $1,000 catch-up contribution for those 50 and older.
**2025 single filer phase-out range (based on modified AGI):**
- Under $150,000 — full $8,000 contribution allowed
- $150,000 to $165,000 — reduced (partial) contribution
- $165,000 or more — not eligible to contribute directly
For reference, married filing jointly phases out from $236,000 to $246,000, and married filing separately (if you lived with your spouse) phases out from $0 to $10,000.
A couple of things worth knowing:
- Your contribution is also capped by your earned income (taxable compensation) for the year.
- You have until the tax filing deadline — April 15, 2026 — to make 2025 contributions.
- If you're over the income limit, a "backdoor Roth" (nondeductible traditional IRA contribution converted to Roth) is a common workaround, though the pro-rata rule can create a tax bill if you hold other pre-tax IRA money.
For 2026, the limits increase to $7,500 plus a $1,100 catch-up ($8,600 total), with the single filer phase-out at $153,000–$168,000 — worth confirming on IRS.gov if you're planning ahead.

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