Yes, income is sufficient to determine eligibility to make deductible contributions to a traditional IRA, contributions to Roth IRAs and claiming the Saver’s Credit, all increased for 2025, the IRS said.

Here are the exit areas for 2025:

• For single taxpayers who have a company pension plan, the phase-out range increased from $77,000 to $87,000 to $79,000 to $89,000.
• For married couples making the IRA contribution, if the IRA contributing spouse is covered by a company retirement plan, the phaseout range increases from $123,000 to $143,000 to $126,000 to $146,000.
• For an IRA contributor who is not covered by a company pension plan and is married to a covered individual, the phase-out range is $236,000 to $246,000, up from $230,000 and $240,000.
• For a married person who files a separate tax return and is covered by a company pension plan, the phase-out limit is not subject to annual cost-of-living adjustments and is between $0 and $10,000.
• The income phase-out range for taxpayers contributing to a Roth IRA is $150,000 to $165,000 for single filers and heads of household, rising from $146,000 to $161,000. For married couples filing jointly, the income phase-out range increased from $230,000 to $240,000 to $236,000 to $246,000. The phase-out range for a married individual filing a separate tax return and contributing to a Roth IRA is not subject to annual cost-of-living adjustments and is between $0 and $10,000.
• The income limit for the Saver’s Credit (also known as retirement savings) for low- and middle-income workers is $79,000 for married couples filing jointly, up from $76,500. $59,250 for heads of household, up from $57,375; and $39,500 for singles and married filing separately, up from $38,250.

Medora Lee is a money, markets and personal finance reporter for USA TODAY. Reach her at [email protected] and sign up for our free Daily Money newsletter every Monday through Friday morning for personal finance tips and business news.