What Is The Max Roth Ira Contribution 2024 Married Filing Jointly. Those are the caps even if you make more, up to the phaseout level. 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.

You can’t make a roth ira contribution if your modified agi is $240,000 or more. $146,000 for all other individuals.