Maximum Roth Ira Contribution 2024 Married. Your filing status is single, head of household, or married filing separately and you didn’t live with your spouse at any time in 2024 and your modified agi is at least $146,000. In 2024, this increases to $7,000 or $8,000 if you're age 50+.

This limit was lower in 2023 at $6,500. If you have a traditional ira, a roth ira―or both―the maximum combined.