Terri Georgeta

Maximum Roth Ira Contribution 2024 Married Filing Separately. 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: If you file separately and did not live with your spouse at any time during the year, your ira deduction is determined under the single filing status.

If you have a traditional ira, a roth ira―or both―the maximum combined amount you may contribute annually across all your iras. Divide the result in (2) by $15,000 ($10,000 if filing a joint return, qualifying surviving spouse, or married filing a separate return and you lived with your spouse at any time during the year).