Ira Contribution Limits 2025 Income Limits. You can contribute to an ira at any age. To be eligible to contribute the maximum amount in 2025, your modified adjusted gross income (magi) must be less than $146,000 (up from $138,000 last year).

The maximum total annual contribution for all your iras (traditional and roth) combined is: Workers who contribute to a 401 (k), 403 (b), most 457 plans and the federal government’s thrift savings plan can contribute up to $23,000 in 2025, a $500 increase.