IRA Contribution Limit & Tax Deduction Eligibility Checker (2025)
"Instantly check how much you can contribute, and deduct, for your IRA this year."
Every year, the IRS updates IRA contribution limits and income thresholds. Use this simple 2025 IRA Eligibility Checker to see how much you can contribute to a Traditional or Roth IRA, and whether your contributions are tax-deductible based on your income, filing status, and coverage under an employer plan. Updated with the latest IRS 2025 limits and phase-out rules.
Key factor for eligibility calculations
Age 50+ qualifies for catch-up contributions
Ready to Check Your 2025 IRA Eligibility
Enter your tax information on the left to instantly check your contribution limits, deduction eligibility, and phase-out status for 2025.
What this tool will show you:
- • Maximum 2025 contribution limit ($7,000 or $8,000 with catch-up)
- • Traditional IRA deduction eligibility and amount
- • Roth IRA contribution eligibility and limits
- • Your position in IRS phase-out ranges
In 2025, the IRS increased IRA contribution limits and income phase-outs. Your eligibility depends on:
- Income level (MAGI) - Modified Adjusted Gross Income determines phase-outs
- Filing status - Different thresholds for single, married, head of household
- Participation in a workplace plan - Affects Traditional IRA deductions
- Age - Age 50+ qualifies for $1,000 catch-up contributions
Traditional IRA Benefits
- • Tax-deductible contributions (if eligible)
- • Tax-deferred growth
- • Taxes paid at withdrawal
- • No income limits for contributions
Roth IRA Benefits
- • Contributions with after-tax dollars
- • Tax-free growth and withdrawals
- • No required minimum distributions
- • Income limits apply
What are the IRA contribution limits for 2025?
For 2025, the IRA contribution limit is $7,000 per year. If you're age 50 or older, you can add a $1,000 catch-up contribution, for a total of $8,000.
How much can I contribute to a Roth IRA in 2025?
Roth IRA contributions are limited by your income. For single filers, contributions phase out between $138,000-$153,000 of MAGI. For married couples filing jointly, the phase-out range is $218,000-$228,000.
Am I eligible to deduct my Traditional IRA contribution?
If you're not covered by an employer retirement plan, you can fully deduct your Traditional IRA contribution regardless of income. If you are covered, deductions phase out based on your income and filing status.