Ira Limits 2025 Married Jointly. In 2025, the income limit for the credit increased to $76,500 for married couples filing jointly, up from $73,000 in 2023. $146,000 for all other individuals.
If you didn’t live together at all, you can contribute the full roth ira amount as long as your income is less than $146,000 for the 2025 tax year. If you are age 50 or older, you may contribute $8,000 a year.