Roth Ira Limits 2024 Married Filing Jointly Over 50. If you’re married filing jointly or a qualifying widow(er): In 2024, married couples filing jointly can contribute to a roth ira if their magi is less than $230,000.

The roth ira contribution limit for 2024 is $7,000 if you’re under age 50 or $8,000 if you’re 50 or older. The account or annuity must be designated as a roth.