2025 Max Roth Ira Contribution Over 50. You can contribute a maximum of $7,000. For an individual retirement account (ira), the standard cap for the 2025 tax year is $7,000.

$7,000 in 2024, or $8,000 if you are 50 or older (these limits will stay the same in 2025). For 2025, the roth ira contribution limit holds steady at the same level as 2024.