Roth Ira Married Filing Jointly 2024. If you’re married filing jointly or a qualifying widow(er): Married couples filing jointly can contribute to a roth ira with incomes up to $230,000.

The exception is if your joint income is now higher than the income limits for roth iras set by the internal revenue service (irs) for couples filing jointly: Each spouse can have their own roth ira, allowing both to contribute.