2025 Ira Contribution Limits Over 55. The maximum amount you can contribute to a roth ira for 2025 and 2025 is $7,000 if you're younger than age 50. If you have a traditional ira, a roth ira―or both―the maximum combined amount you may contribute annually across all your iras is the same:.

In 2025, the roth ira contribution limit is $7,000, or $8,000 for individuals age 50 and older, allowing those who are closer to retirement to make additional contributions. For both traditional and roth iras, you can contribute up to $7,000 for 2025, the same amount as in 2025.