Ira Limits 2025 Married Filing Jointly. If you are married and file jointly, your limit may be limited by your spouse's income if you have no income yourself and are contributing to a spousal ira. The 2025 annual ira contribution limit is $7,000 for individuals under 50, or $8,000 for 50 or older.

The ira contribution limit is $7,000, or $8,000 for individuals 50 or older in 2025 and 2025. 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: