Retirement5 min read

IRA Contribution Limits 2025: Traditional, Roth, SEP, and SIMPLE

Complete guide to 2025 IRA contribution limits for all account types, income limits, and strategies to maximize your retirement savings.

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IRS announced the 2025 IRA contribution limits in November 2024. Knowing the exact limits helps you maximize tax-advantaged retirement savings. Here are all the numbers for every IRA type.

Traditional and Roth IRA Limits 2025

Maximum contribution: $7,000 per person
Catch-up contribution (age 50+): additional $1,000 (total $8,000)
Contribution deadline: April 15, 2026 (for tax year 2025)
Note: The $7,000 limit is shared between traditional and Roth IRAs combined

Roth IRA Income Limits 2025

Single filers: full contribution up to $150,000 MAGI; phase-out $150,000–$165,000; no contribution above $165,000
Married filing jointly: full contribution up to $236,000; phase-out $236,000–$246,000; no contribution above $246,000
Married filing separately (lived with spouse): phase-out $0–$10,000
No income limit for traditional IRA contributions (but deductibility phases out)

Traditional IRA Deductibility Phase-Out 2025

Anyone can contribute to a traditional IRA, but the tax deduction phases out if you (or spouse) have a workplace retirement plan:

Single with workplace plan: full deduction up to $79,000 MAGI; phase-out $79,000–$89,000
Married, covered by workplace plan: full deduction up to $126,000; phase-out $126,000–$146,000
Married, spouse covered (you're not): phase-out $236,000–$246,000

SEP-IRA Limits 2025

Maximum contribution: lesser of $69,000 or 25% of net self-employment income
No catch-up contribution for SEP-IRA
Contribution deadline: tax filing deadline plus extensions (October 15 with extension)
Available to self-employed and small business owners

SIMPLE IRA Limits 2025

Employee contribution: $16,000
Catch-up contribution (age 50+): additional $3,500 (total $19,500)
Employer must contribute: either 3% matching or 2% non-elective

💡 If you earn too much for a Roth IRA, consider the Backdoor Roth IRA: contribute to a non-deductible traditional IRA ($7,000), then immediately convert it to a Roth. There are no income limits on conversions — only on direct Roth IRA contributions.