Maximum Roth Ira Contribution 2024 Married. The roth ira income limit to make a full contribution in 2024 is less than $146,000 for single filers, and less than $230,000 for those 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.
For the traditional ira, this is the sum of two parts: In 2024, single filers with a modified adjusted gross income (magi) over $161,000 and married couples with a magi over $240,000 cannot contribute directly to a roth ira.
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