Roth Contribution Limits 2024 Married Filing Joint. For 2024, if you’re married filing jointly and your agi is between $230,000 and $239,999.99, you can make a reduced contribution. Taxpayers who are married and filing jointly must have incomes of $76,500 or less in 2024.

To contribute to a spousal ira, you must be married filing a joint tax return with enough earned income to cover both contributions. Contributions begin phasing out above those amounts, and you can’t put any money into a roth ira once your income reaches $161,000 if a single filer or $240,000 if married and filing.