Roth Ira Limits 2024 Married Filing Jointly Irs. Limits on roth ira contributions based on modified agi. These charts show the income range in which your deduction may be disallowed if you or your spouse participates in a retirement plan at work:

You can contribute at any age if you (or your spouse if filing jointly) have taxable compensation and your modified adjusted gross income is below certain amounts (see and 2022 and 2023 limits). Review a table to determine if your modified adjusted gross income (agi) affects the amount of your deduction from your ira.