Roth Income Limits 2025 Married Filing Jointly Married. If you’re married filing jointly or a qualifying widow (er): If your modified agi is less than $236,000, then you are able to contribute up to the $7,000 contribution limit ($8,000 if you’re age 50 or older) in 2025.
Each spouse can have their own roth ira, allowing both to contribute. For joint filers, in 2024 your magi must be under $230,000.