Ira Contribution Limits 2024 Married Filing Separately. If a single filer, a married couple filing jointly or a married couple filing separately have no retirement plans at work, they can contribute up to the $7,000 or $8,000 limits depending on their age. If you have a traditional ira, a roth ira―or both―the maximum combined amount you may contribute annually across all your iras.
For 2024, the total contribution limit of your iras, roth or traditional, is no more than $7,000 ($8,000 if you’re 50 or older). If your tax status is married filing separately and you lived with your spouse at any time during the year, here are your roth ira contribution limits: