IRA Contribution Limits 2025
Here are the IRA contribution limits for 2025, plus income limits for Roth IRAs and deduction limits for Traditional IRAs.
2025 Contribution Limits
Basic Rules
- Limits apply across all IRAs combined (Traditional + Roth)
- You can split between Traditional and Roth, but total can't exceed limit
- Must have earned income at least equal to contribution
- Deadline is tax filing deadline (April 15, 2026 for 2025 contributions)
Roth IRA Income Limits
Roth IRA contributions phase out at higher incomes:
| Filing Status | Full Contribution | Phase-Out Range | No Contribution |
|---|---|---|---|
| Single | <$150,000 | $150,000-$165,000 | >$165,000 |
| Married Filing Jointly | <$236,000 | $236,000-$246,000 | >$246,000 |
| Married Filing Separately | $0 | $0-$10,000 | >$10,000 |
Traditional IRA Deduction Limits
Anyone can contribute to a Traditional IRA, but the tax deduction depends on income and whether you have a workplace retirement plan:
If You're Covered by Workplace Plan
| Filing Status | Full Deduction | Partial Deduction | No Deduction |
|---|---|---|---|
| Single | <$79,000 | $79,000-$89,000 | >$89,000 |
| Married Filing Jointly | <$126,000 | $126,000-$146,000 | >$146,000 |
Not covered by workplace plan? No income limit for Traditional IRA deduction.
IRA Match Programs
Some brokers now offer matching on IRA contributions—free money on top of your contribution:
| Broker | Match Rate | Details |
|---|---|---|
| Webull (Premium) | 3.5% | $40/year subscription |
| Robinhood (Gold) | 3% | $5/month subscription |
| SoFi | 2% | 2-year vesting |
| Fidelity | 0% | No match |
| Schwab | 0% | No match |
Value of IRA Match
On the $7,000 annual limit:
- 3.5% match (Webull): $245 free
- 3% match (Robinhood): $210 free
- 2% match (SoFi): $140 free
These matches are essentially free money that traditional brokers like Fidelity and Schwab don't offer.
Roth vs Traditional: Quick Guide
- Roth IRA: Pay tax now, withdraw tax-free in retirement
- Traditional IRA: Deduct now, pay tax on withdrawals in retirement
General rule: Roth if you expect higher taxes in retirement, Traditional if you expect lower taxes.
The Bottom Line
For 2025, you can contribute up to $7,000 ($8,000 if 50+) across all IRAs. If you're eligible for a Roth IRA, it's generally the preferred choice for long-term growth. And with brokers like Robinhood and Webull offering 3%+ matches, there's now extra incentive to max out your IRA contributions.