Roth Ira Contribution Limits 2024 Married Filing Jointly. If your modified agi is less than $230,000, then you are able to contribute up to the $7,000 contribution limit ($8,000 if you’re age 50 or older) in 2024. A full deduction up to the amount of your contribution limit:

If the amount you can contribute must be reduced, figure your reduced contribution limit as follows. 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.