MinhT1
Employee Tax Expert

Retirement tax questions

For 2025, for couples filing jointly, Roth IRA contributions are allowed up the maximum limit of $7,000 (plus $1,000 catch up if aged 50 or older) for MAGI up to $236,000.

 

Between $236,000 and $246,000, they are progressively phased out.

 

No contribution is allowed for MAGI of $246,000 or over.

 

See this IRS publication, page 39.

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