Ira Income Limits 2024 Married Spouse. The deduction may be limited if you or your spouse is covered by a retirement plan at work and your income exceeds. The roth ira income limits for married couples who want to make the maximum contribution are $218,000 in 2023 and $230,000 in 2024.

To contribute to a spousal ira, you must be married filing a joint tax return with enough earned income to cover both contributions. $7,500 if you’re aged 50 or.