Roth Ira Contribution Limits 2024 For Spouse And Children. To be eligible to contribute the maximum amount in 2024, your modified adjusted gross income (magi) must be less than $146,000 (up from $138,000 last year) if single or between $230,000 and. Your personal roth ira contribution limit, or eligibility to.
Subtract from the amount in (1): Those are the caps even if you make more, up to the phaseout level.