Max Ira Contribution 2025 Married. If you file married filing joint and you are covered by a workplace retirement plan, you can only deduct a portion of your traditional ira contribution once your magi is between $126,000 and. The maximum roth ira contribution limit for 2025 is the same as for 2024, which is $7,000 for those under 50, and an additional $1,000 in catch up.

Married couples can make the full contribution if modified adjusted gross income (agi) falls below $236,000, phasing out completely at $246,000. You can contribute a maximum of $7,000 (same as.