给你， 网上的。假如你收入高于max， 你要走backdoor。记得居士写的很清楚

来源: 螺丝螺帽 于 2025-10-27 09:49:12 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (17228 bytes)
回答: 多谢了 由 cnrhm2017 于 2025-10-27 08:40:22
For 2025, the IRA contribution limit is $7,000, with an additional $1,000 catch-up contribution allowed for those age 50 and over, making the total $8,000 for those 50+. This limit applies to the total contributions you make to all of your traditional and Roth IRAs combined for the year, as long as your taxable compensation for the year is at least that amount.
 
 
 
2025 IRA contribution limits
  • Under age 50: The maximum contribution is $7,000.
  • Age 50 and over: The maximum contribution is $8,000 (this includes the $1,000 catch-up contribution). 
     
     
Important considerations
  • Total limit:
    The limit is the total you can contribute to all of your IRAs (both traditional and Roth) for the year. 
     
     
  • Taxable compensation:
    Your contribution cannot be more than your taxable compensation for the year. 
     
     
  • Roth IRA income limits:
    If you want to contribute to a Roth IRA, your Modified Adjusted Gross Income (MAGI) must be below certain thresholds. For 2025, these limits are: 
     
     
    • Single filers: Phase-out begins at
      $79,000$ 79 comma 000
      $79,000
      and ends at
      $89,000$ 89 comma 000
      $89,000
      . 
       
       
    • Married filing jointly: Phase-out begins at
      $126,000$ 126 comma 000
      $126,000
      and ends at
      $146,000$ 146 comma 000
      $146,000
      .
       
  • Traditional IRA deduction limits:
    The ability to deduct traditional IRA contributions is also phased out based on your income and if you are covered by a retirement plan at work.
     
  • Contribution deadline:
    The deadline for making contributions for the 2025 tax year is the due date of your federal tax return, not including extensions (typically April 15, 2026). 

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