Maximum Ira Contribution 2024 Married. In 2024, married couples filing jointly can contribute to a roth ira if their magi is less than $230,000. Workers who contribute to a 401 (k), 403 (b), most 457 plans and the federal government’s thrift savings plan can contribute up.

Spouse who owns the ira. For 2024, the ira contribution limit is $7,000 for those under 50.