Roth Ira Contribution Limits 2024 Married Filing Jointly. If you file taxes as a single person, your modified adjusted gross income (magi) must be under $153,000 for tax year 2023 and $161,000 for tax year 2024 to contribute to a roth ira, and if you’re married and filing jointly, your magi. If your household income for the year is less than the contribution limit, then your personal ira contribution may be limited by your earned household income.

Your filing status is married filing jointly or qualifying surviving spouse and your modified agi is at least $218,000. If you are 50 or older by the end of 2024, you may contribute up to $8,000 to a roth ira.