Ira Limits 2024 Married Filing Jointly. If you're age 50 or older, you're eligible for extra contributions as well. Each spouse can have their own roth ira, allowing both to contribute.
If you are married and file jointly, your limit may be limited by your spouse’s income if you have no income yourself and are contributing to a spousal ira. Anyone with earned income can contribute to a traditional ira, but your income may.