Roth IRA Contribution Phase-Out Visualizer (2025 Edition)
"See exactly how your income affects your Roth IRA contribution for 2025, with real-time visual updates."
Roth IRA contribution limits depend on your income, filing status, and IRS phase-out ranges. This 2025 Roth IRA Phase-Out Visualizer helps you instantly understand how much you can contribute based on your MAGI (Modified Adjusted Gross Income) and filing status. Use the dynamic slider to see exactly where you fall on the eligibility curve. Updated with the latest IRS 2025 rules.
Affects contribution eligibility
To check catch-up eligibility (50+)
The IRS limits Roth IRA contributions based on income. As your income enters the phase-out range, your contribution limit gradually decreases until you become ineligible.
How the Phase-Out Works:
Contribution = Limit × (1 - (MAGI - Lower Limit) ÷ (Upper Limit - Lower Limit))
Capped at 0 and full contribution limit
💡 Pro Tips
- • Consider contributing early in the year if you're close to the limit
- • Backdoor Roth conversions may be available if you're ineligible
- • Marriage can change your eligibility significantly
- • Income limits are updated annually by the IRS
🎯 Next Steps
- • Open a Roth IRA if you're eligible
- • Consider Traditional IRA if ineligible for Roth
- • Consult a tax advisor for complex situations
- • Review your eligibility annually
What are the Roth IRA income limits for 2025?
For 2025, single filers can contribute the full amount up to $138,000 MAGI, with phase-outs between $138,000-$153,000. Married couples filing jointly have a full contribution limit up to $218,000, with phase-outs between $218,000-$228,000.
How much can I contribute to a Roth IRA at my income level?
Your exact contribution amount depends on where your MAGI falls within the phase-out range. Use the visualizer above to see your precise eligibility and contribution amount based on your specific income and filing status.
What happens if I exceed the income limit?
If your income exceeds the phase-out range, you cannot contribute directly to a Roth IRA. However, you may be eligible for a backdoor Roth conversion, where you contribute to a Traditional IRA and then convert it to a Roth IRA.