Roth Ira 2024 Rules Married Filing Jointly. Similarly, married couples filing jointly enter the partial contribution range when magi reaches $230,000 in 2024, up from $218,000 in 2023. Taxpayers who are married and filing jointly must have incomes of $76,500 or less in 2024.
For 2024, if you are married and filing jointly, each spouse can make a maximum roth ira contribution of $7,000 if they have an agi (adjusted gross income) of less than $230,000. Whether you can contribute the full amount to a roth ira depends on your.