Roth Ira Limits 2024 Agi Calculator. The maximum amount you can contribute to a roth ira for 2025 and 2024 is $7,000 if you're younger than age 50. Agi represents your total income after certain deductions, such as student loan interest or ira contributions, are subtracted from your gross income (wages, interest, and other earnings).

If your modified agi is between $230,000 and $240,000, you are eligible to contribute, but you’ll have a reduced limit. Your roth ira contribution might be limited based on your filing status and income.