Ira Limits 2024 Married Filing Separately. 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 youโre married and filing jointly, your magi.
For people who are aged 50 or older, the. Married (filing separately) can use the limits for single individuals if they have not lived with their spouse in the past year.