To contribute up to the limit in a Roth IRA, your modified adjusted gross income (MAGI) must be below a certain threshold, which has changed for 2025:

The income phase-out range for taxpayers contributing to a Roth IRA has been increased to $150,000 to $165,000 for single filers or heads of household. That's an increase of $146,000 to $161,000. These taxpayers can make partial Roth contributions.

Taxpayers using one of these filing statuses can make a full Roth contribution if their MAGI is less than $150,000. You cannot contribute to a Roth at all if your MAGI is over $165,000.

For married couples filing jointly, the income phase-out range increased from $230,000 to $240,000 to $236,000 to $246,000. These taxpayers can make partial Roth contributions.

Married couples filing jointly can make full Roth contributions if their MAGI is less than $236,000. You cannot contribute to a Roth at all if your MAGI is over $246,000.

The phase-out range for married filing separately is not subject to annual cost of living adjustments and remains between $0 and $10,000, according to the IRS.

Higher earners may be able to get around the income limits with mega backdoor Roth conversions, which move after-tax 401(k) contributions into a Roth account. However, not all 401(k) plans allow this strategy.

The latest IRS update comes about a week after the agency announced dozens of inflation adjustments for 2025, including federal income tax brackets, higher capital gains brackets, a larger estate and gift tax exemption, and changes to eligibility for the Earned Income Tax Credit and others.

Correction: Married couples filing jointly cannot contribute to a Roth at all if their MAGI is over $246,000. The number was incorrect in an earlier version.