Roth Ira 2024 Contribution Limits Married Filing Separately.  — if you have a roth 401(k) plan and a roth ira, your total annual contribution across all accounts in 2023 cannot exceed $30,000 in 2024, or $38,500 if you are 50 or older. Your personal roth ira contribution limit, or eligibility to.

 — if your modified agi is higher than $240,000, you are unable to directly contribute to a roth ira that year. Start with your modified agi.