Roth Ira Limits 2024 Married Filing Joint. The contribution limit for a roth ira is $7,000 (or $8,000 if you are over 50) in 2024. And if you are married filing jointly, you can make a full roth ira contribution if your income is under $230,000 in 2024.
For 2024, you can’t contribute to a roth if you earn $161,000 or more per year—or $240,000 or more if you are married and file a joint return. Less than $230,000 (married filing jointly) or less than $146,000 (single) reduced contribution income.