Ira Limits 2024 Married Jointly. You or your spouse must have. If you didn’t live together at all, you can contribute the full roth ira amount as long as your income is less than $146,000 for the 2024 tax year.

2024 ira contribution and deduction limits effect of modified agi on deductible contributions if you are covered by a retirement plan at work. 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.