Roth Contribution Limits 2024 Married Filing Separately. If they lived with their spouse at any point during the year, they can contribute to a roth ira only if their. Contribution limits for 401(k) and other workplace retirement plans rise for 2025.

If you are married filing separately (and you lived with your spouse during the year), you can make a reduced contribution if your magi is below $10,000. Subtract $138,000 from your magi for 2023 or $146,000 for 2024.