2024 Roth Ira Contribution Limits Married Filing Jointly. A roth ira, on the other hand, is an individual retirement account available to those who earn less than $161,000 for single filers and $240,000 for married couples. 2024 roth ira contribution limits and income limits.

And if you are married filing jointly, you can make a full roth ira contribution if your income is under $230,000 in 2024. But after your income surpasses.