Roth Ira Contribution Limits 2025 For Married Couples. Spousal iras have the same annual contribution limits as any other ira: If your annual income is less.
If you are part of a married couple filing jointly or a qualifying widow or widower with modified adjusted gross income of under $230,000, you can save the maximum in a roth. The roth ira income limits for married couples who want to make the maximum contribution are $218,000 in 2023 and $230,000 in 2025.