2025 Roth Ira Income Limits Phase Out 2025.  — for 2025, the irs only allows you to save a total of $7,000 across all your traditional and roth iras, combined.  — the contribution limit for individual retirement accounts (iras) for the 2025 tax year is $7,000.

 — the income thresholds to be eligible for a roth ira are also higher in 2025. This figure is up from the 2023 limit of $6,500.