Ira Limits 2024 Married Filing Joint. Contributions begin phasing out above those amounts, and you can't put any money into a roth ira once your income reaches $161,000 if a single filer or $240,000 if. Anyone with an earned income and their spouses, if married and filing jointly, can contribute to a traditional ira.
Each spouse can have their own roth ira, allowing both to. The maximum qualifying contribution is $2,000 ($4,000 if married and filing a joint return), so the maximum saverโs credit is $1,000 ($2,000 total for a couple).