The IRS has announced updated income limits for Roth IRA contributions in 2025. For single or head of household filers, the modified adjusted gross income (MAGI) phaseout range is now $150,000 to $165,000, while for married couples filing jointly, it is $236,000 to $246,000. Those with MAGI above these thresholds cannot contribute to a Roth IRA, and the phaseout range for married filing separately remains unchanged at $0 to $10,000.