Emlynn Bethina

Roth Ira 2024 Limits Married Jointly. Contribution limits are enforced across traditional iras and roth iras, but income limits only apply to roth accounts. If you make more than that, the maximum contribution decreases as your magi goes up to the maximum of $161,000 for 2024.

Single adults with magis above $153,000 and married couples filing jointly with magis of more than $228,000 are ineligible to make a direct roth ira contribution. You can make contributions to your roth ira after you reach age 70 ½.