2024 Roth Ira Limit Married Filing Separately. Your filing status is single, head of household, or married filing separately and you didn’t live with your spouse at any time in 2024 and your modified agi is at least $146,000. Traditional ira income limits for 2024.

Anyone with an earned income and their spouses, if married and filing jointly, can contribute to a traditional ira. If they lived with their spouse at any point during the year,.