Roth Ira Limits 2024 Married Filing Jointly. If you're married filing jointly, subtract $230,000 (for 2024) or $236,000 (2025) from your magi. 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.
The contribution limits for a traditional or roth ira increased last year but remain steady for 2025. The exception is if your joint income is now higher than the income limits for roth iras set by the internal revenue service (irs) for couples filing jointly:
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