Ira Limits 2024 Married Spouse. • married couples filing jointly can contribute the maximum amount to a spousal roth ira for tax year 2024 if their magi is less than $230,000. For 2023 and 2024, married individuals filing separately can only contribute to a roth ira if their modified adjusted gross income (magi) is less than $10,000.

Here’s how much you can contribute to your ira in 2022, 2023, and 2024. Traditional ira contributions are deductible but the amount you can deduct may be reduced or eliminated if you or your spouse is covered by a retirement plan at work.