Ira Contribution Limits 2024 Married Filing Jointly. If you file a joint return, you may be able to contribute to an ira even if you didn’t have taxable compensation as long as your spouse did. Anyone can contribute to a traditional ira, but your ability to deduct contributions is based on your income.

Divide the result in (2) by $15,000 ($10,000 if filing a joint return, qualifying surviving spouse, or married filing a separate return and you lived with your spouse at any time. The roth ira income limit to make a full contribution in 2024 is less than $146,000 for single filers, and less than $230,000 for those filing jointly.