Roth Ira Limits 2024 Married. For 2023 and 2024, married individuals filing separately can only contribute to a roth ira if their modified adjusted gross income (magi) is less than $10,000. The amount you can contribute to a roth ira depends on your annual income.

Contribution limits are enforced across traditional iras and roth iras, but income limits only apply to roth accounts. You’re married filing jointly or a qualifying widow(er) with an agi of.