2024 Roth Ira Contribution Limits Married Jointly. Those limits reflect an increase of $500 over the 2023. Spousal iras have the same annual contribution limits as any other ira:

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. Married filing jointly or qualifying widow(er) less than.