Quick answer: A single filer with a MAGI of $155,000 can put at most $4,670 into a Roth IRA for 2025; contributing the maximum each year from 30 to 65 on top of $10,000, at a 7% return, grows to $769,168 tax-free.
How it's calculated
The 2025 limit is $7,000 ($8,000 from age 50), shared with any traditional IRA contributions and capped at your earned income.
It phases out with modified AGI: $150,000–$165,000 for single and head of household, $236,000–$246,000 for married filing jointly and $0–$10,000 for married filing separately. Inside the range, allowed = limit × (top − MAGI) ÷ range, rounded up to $10, and at least $200.
Roth contributions are not deductible, but qualified withdrawals (after age 59½ and five years) are tax-free, and there are no required minimum distributions for the owner. Compare with the US traditional IRA calculator and the US 401(k) calculator.
Worked examples
- Single, MAGI $155,000: 7,000 × (165,000 − 155,000) ÷ 15,000 = 4,666.67 → $4,670
- Married jointly, MAGI $240,000: 7,000 × 6,000 ÷ 10,000 = $4,200
2025 Roth IRA income limits (MAGI)
| Filing status | Full contribution below | No contribution from |
|---|---|---|
| Single / head of household | $150,000 | $165,000 |
| Married filing jointly | $236,000 | $246,000 |
| Married filing separately | – | $10,000 |
Frequently asked questions
What if my income is too high?
Many people make a non-deductible traditional IRA contribution and convert it to Roth (a 'backdoor Roth'). Tax applies to any pre-tax IRA money converted, so check the pro-rata rule first.
Can I take my contributions out?
Yes, contributions (not earnings) can be withdrawn at any time without tax or penalty.
Roth or traditional?
Roth is better if you expect a higher tax rate in retirement than now; traditional if lower. Many people hold both.
What is modified AGI?
Your adjusted gross income with some deductions added back. It sets how much you may contribute to a Roth IRA.
What is the five-year rule?
To withdraw earnings tax-free, the account must have been open for at least five tax years and you must usually be 59½ or older.
Do I have to withdraw from a Roth IRA at a certain age?
No. The original owner has no required minimum distributions, so the money can keep growing.