2024 Roth Ira Contribution Limits Married Filing Separately. That is going to be fully taxable. 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.

$146,000 for all other individuals. In 2024, married couples filing separately face stringent roth ira contribution limits.