Roth Ira Income Limits 2024 Married Filing Separately. 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. The 2024 roth ira income limits are $161,000 for single tax filers and $240,000 for those married filing jointly.

The contribution limit for a roth ira is $7,000 (or $8,000 if you are over 50) in 2024. But some high earners have a lower contribution cap,.