How Much Can I Contribute To A Roth Ira 2024 Married Filing Jointly. Billy (age 35) and leeann (age 32) are married filing jointly and have decided to contribute $7,000 to their iras. Depending on your magi, filing status, and earned income, you may be able to make the federal maximum contribution to your roth ira ($7,000 for those under 50;
Those are the caps even if you make more, up to the phaseout level. But you must have enough earned income to cover the contribution.