Roth Ira Limits 2024 Married Filing Jointly. If you are married and file jointly, your limit may be limited by your spouse's income if you have no income yourself and are contributing to a spousal ira. For 2024, the total contributions you make each year to all of your traditional iras and roth iras can't be more than:

Limits on roth ira contributions based on modified agi. For 2024, if you’re married filing jointly and your agi is between $230,000 and $239,999.99, you can make a reduced contribution.