Roth Income Limits 2024 Married Filing Separately. If your annual income is less than $10,000, your contribution. If you are married filing separately (and you lived with your spouse during the year), you can make a reduced contribution if your magi is below $10,000.

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 ira, and if you’re married and file. If you’re covered by a retirement plan at work, use this table to determine if your modified agi affects the amount of your deduction.