Roth Ira Limits 2024 Married Filing Jointly 2024. If you're married filing jointly, subtract $218,000 (for 2023) or $230,000 (for 2024) from your magi. If you're married filing separately and did live with your spouse.

Similarly, married couples filing jointly enter the partial contribution range when magi reaches $230,000 in 2024, up from $218,000 in 2023. 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.