Roth Ira Limits 2024 Married Filing Separately. If they lived with their spouse at any point during the year, they can contribute to a roth ira only if their. Start with your modified agi.

If you have a traditional ira, a roth ira―or both―the maximum combined amount you may contribute annually across all your iras is the same:. You can contribute to a traditional ira regardless of how much money you earn.