| 2024 MAGI (modified adjusted gross income) | 2025 MAGI (modified adjusted gross income) | Contribution amount allowed |
|---|---|---|
| Less than $146,000 | Less than $150,000 | Full |
| From $146,000 to $160,999 | From $150,000 to $164,999 | Limited |
| $161,000 or more | $165,000 or more | None |