Roth Ira Income Limits 2024 Married Woman. You’re married filing jointly or a qualifying widow(er) with an agi of $240,000 or more. If you file taxes as a single person, your modified adjusted gross income (magi) must be under $153,000 for tax year 2023 and $161,000 for tax year 2024 to contribute to a roth ira, and if you’re married and filing jointly, your magi must be under $228,000 for tax year 2023 and $240,000 for tax year 2024.

Those are the caps even if. The amount you can contribute to a roth ira depends on your annual income.