Greetings from blizzard central in New York City. If you’re stuck inside and have some extra time, here’s an idea: Make yourself a warm beverage and get your tax documents sorted. We’re going to answer more of your tax-related questions today. Here’s one, from Liz M., writing from Rohnert Park, Calif.: I have a Roth I.R.A. that I started long ago, contributing $100 monthly from my post-tax income. I also have an employer-provided Roth 401(k). Is there an annual limit on Roth contributions if you use both? This is especially confusing right now, and provides yet another case study in the complexity of our tax code. Here’s the big takeaway: Each vehicle has its own separate limits, though your Roth I.R.A. contributions can be limited by your income level. First let’s tackle Roth 401(k)s: For tax year 2025, employees can contribute up to $23,500 (employee and employer contributions can total a combined $70,000) across all 401(k)s, including traditional 401(k) contributions. If you’re 50 to 59, or 64 and older, you’re eligible for extra catch-up contributions of up to $7,500. (This Fidelity guide has more on tax year 2026, too.) But that’s not all. In tax year 2025, there’s also an amped up catch-up contribution for people who are 60 to 63: They can contribute up to $11,250 extra, if their plan allows it (check with your employer). Roth I.R.A.s have their own limits and rules. In tax year 2025, the amount you contribute to all of your I.R.A.s (including traditional ones) is $7,000; if you’re 50 or older, it’s $8,000. There are income limitations. For singles, modified adjusted gross income must be below $150,000 to get the full contribution amount, which is reduced for those with higher incomes until it completely disappears for those who earn $165,000 or more. Married joint filers must earn less than $236,000 to get the full deduction, which is reduced and disappears entirely once income hits $246,000 or more. You can still make I.R.A. contributions for the 2025 tax year until you file your return. The 401(k) catch-up rules changed a bit for tax year 2026, which my colleague Ann Carrns explains here. Have a question? Send it our way: yourmoney_newsletter@nytimes.com. Below, there’s a collection of money-related stories from across The Times. Have a great week. Doing your taxes? We want to hear from you. The New York Times is looking to speak to Americans about how the most recent tax cuts are affecting their pocketbooks. Share your experience here. How are we doing? Like this email?
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