Roth Ira Contribution Limits 2024 Married Jointly. To be eligible to contribute the maximum amount in 2024, your modified adjusted gross income (magi) must be less than $146,000 (up from $138,000 last year) if single or. Those limits reflect an increase of $500 over the 2023.
The exception is if your joint income is now higher than the income limits for roth iras set by the internal revenue service (irs) for couples filing jointly: You can make a contribution to your ira by having your income tax refund (or a portion of your refund), if any, paid directly to your traditional ira, roth ira, or sep ira.