IRA and Tax Tables 2025

This chart is only for those who are covered by a company retirement plan.

Year	Married/Joint	Single or head of Household
2023	116,000 - 136,000	73,000 - 83,000
2024	123,000 - 143,000	77,000 - 87,000
2025	126,600 - 146,000	79,000 - 89,000

If not covered by a company plan but the spouse is, the phase-out range for 2024 is $230,000 - $240,000 and for 2025 is $236,000 - $246,000. If filing married-separate, the phase-out range is $0 - $10,000.

Year	Married/Joint	Single or head of Household
2023	218,000 - 228,000	138,000 - 153,000
2024	230,000 - 240,000	146,000 - 161,000
2025	236,000 – 246,000	150,000 – 165,000

If filing married-separate, the phase-out range is $0 - $10,000.

Year	Under age 50	Age 50+
2025	$7,000	$8,000

Quick Fact Sheet – Roth IRA Contributions You have earned income You contribute already taxed funds (after-tax funds) to a Roth IRA You receive no tax...