Roth Ira Limits 2024 Married Filing Jointly Over 55. Divide the result in (2) by $15,000 ($10,000 if filing a joint return, qualifying surviving spouse, or married filing a separate return and you lived with your spouse at any time during the year). 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 2024, roth ira contributions are not allowed for single filers with a modified adjusted gross income (magi) of $161,000 or more or married couples. But after your income surpasses those numbers,.