Roth Ira Income Phase Out 2025. If you are 50 and older, you can contribute an additional $1,000 for a total of $8,000. That means your contribution may be reduced โ possibly all the way.
However, roth ira eligibility is subject to income limits. The roth ira contribution limit for 2025 is $7,000 for those under 50, and $8,000 for those 50 and older.