Maximum Roth Ira Contribution 2025 Calculator. The limit for annual contributions to roth and traditional individual retirement accounts (iras) for the 2023 tax year was $6,500 or $7,500 if you were age 50 or older. As a couple, you can contribute a combined total of $14,000 (if you're both under 50) or $16,000 (if you're both 50 or older) to a traditional ira for 2025.
If you have a traditional ira, a roth ira―or both―the maximum combined amount you may contribute annually across all your iras. The ira contribution limit is $7,000, or $8,000 for individuals 50 or older in 2025.
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