Gemini on Question 49, Sep 27

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 Roth IRA rules based on your age and filing status:

1. Your Contribution Limit: $8,000

•The base limit: $7,000
•The catch-up contribution: Because you are 50 (or older), you are allowed an additional $1,000 catch-up contribution.
•Note: You can contribute up to this amount as long as you have at least $8,000 in earned income for the year.

2. Income Phase-Out Range (Single Filer): $150,000 to $165,000
Your ability to contribute directly to a Roth IRA depends on your Modified Adjusted Gross Income (MAGI):

•If your MAGI is under $150,000: You can contribute the full $8,000.
•If your MAGI is between $150,000 and $165,000: You are in the phase-out range. Your maximum contribution will be reduced (pro-rated) based on where your income falls in that $15,000 window.
•If your MAGI is $165,000 or higher: You cannot make a direct contribution to a Roth IRA.

What if you make over $165,000?
If your income exceeds the limit, you can still get money into a Roth IRA using a legal strategy called a Backdoor Roth IRA. This involves making a non-deductible contribution of $8,000 to a Traditional IRA and immediately converting it to a Roth IRA. (If you have existing pre-tax money in Traditional IRAs, be aware of the "pro-rata rule," which could trigger taxes on the conversion).

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Sep 27, the whole day Question 49, every day

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

For the **2025** tax year, here are the Roth IRA rules based on your age and filing status:
**1. Your Contribution Limit: $8,000**
*   **The base limit:** $7,000
*   **The catch-up contribution:** Because you are 50 (or older), you are allowed an additional $1,000 catch-up contribution. 
*   *Note: You can contribute up to this amount as long as you have at least $8,000 in earned income for the year.*
**2. Income Phase-Out Range (Single Filer): $150,000 to $165,000**
Your ability to contribute directly to a Roth IRA depends on your Modified Adjusted Gross Income (MAGI):
*   **If your MAGI is under $150,000:** You can contribute the full **$8,000**.
*   **If your MAGI is between $150,000 and $165,000:** You are in the phase-out range. Your maximum contribution will be reduced (pro-rated) based on where your income falls in that $15,000 window.
*   **If your MAGI is $165,000 or higher:** You cannot make a direct contribution to a Roth IRA. 
**What if you make over $165,000?**
If your income exceeds the limit, you can still get money into a Roth IRA using a legal strategy called a **Backdoor Roth IRA**. This involves making a non-deductible contribution of $8,000 to a Traditional IRA and immediately converting it to a Roth IRA. (If you have existing pre-tax money in Traditional IRAs, be aware of the "pro-rata rule," which could trigger taxes on the conversion).

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