Roth Ira Limits 2025 Catch Up Contribution. — from 2025 onward, if you're an employee with a 401 (k), 403 (b), or a government 457 (b) retirement plan and earned more than $145,000 the previous year,. Those are the caps even if you make more, up to the phaseout level.
— the contribution limit for a roth ira is $7,000 (or $8,000 if you are over 50) in 2025. — the contribution limit on individual retirement accounts will increase by $500 in 2025, from $6,500 to $7,000.