Roth Contribution Limits 2024 Married Filing Jointly. Discover the irs’s updated 2025 retirement plan contribution limits and income thresholds. 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.

$161,000 (2024) married filing jointly income limit: And if you are married filing jointly, you can make a full roth ira contribution if your income is under $230,000 in 2024.