2024 Roth Ira Contribution Limits Married Filing Joint. If you’re married filing jointly or a qualifying widow (er): 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.

You must be married and file a joint tax return to be eligible for a spousal ira. To be eligible for a spousal ira, you must be married and file a joint tax return.