Roth Ira Limits 2025 Married Filing Jointly With Spouse. If you are married and file jointly, your limit may be limited by your spouse's income if you have no income yourself and are contributing to a spousal ira. The limit for annual contributions to roth and traditional individual retirement accounts (iras) for the 2025 tax year was $6,500 or $7,500 if you were age 50 or older.

Similarly, married couples filing jointly enter the partial contribution range when magi reaches $230,000 in 2025, up from $218,000 in 2025. Note that if you’re married and file separately but live with your spouse, you can’t contribute anything to a roth ira if your agi is more than $10,000.