Roth Ira Limits 2024 Married Filing Separately. In 2024, married couples filing separately face stringent roth ira contribution limits. Learn how to calculate your modified adjusted gross income (magi) to see if you're eligible to contribute to a roth ira in 2024.

See the table and the formula to calculate your reduced contribution limit based on your filing status and income level. 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.